First of all, funds are more stable than stocks, and are not suitable for day trading or radical investors, so long-term investment is valuable. Secondly, funds mainly invest in a basket of stocks, and the probability of earning profits from holding them for a long time is relatively high, while most stock traders are short-term traders. Finally, funds themselves have the function of diversifying risks, and the investment level is not as high as that of stocks.

The risk of stocks is higher than that of funds, and the expected return is also higher than that of funds, so investors with high risk tolerance can choose to trade stocks, while investors with low risk tolerance can choose to trade funds.