If investors want to pursue excess returns, it is better to choose active consumption funds. If investors only pursue market returns, it is better to choose index consumption funds.

The investment goal of active funds is to surpass the market income, and the investment goal is decided by fund companies and fund managers. However, index funds are passive funds. Passive funds do not pursue the performance beyond the market, but generally pursue the same income as the target, and fund companies and fund managers who invest in the fund will not participate.