In terms of risk-return characteristics, stocks are more risky than funds and can have higher expected returns, but there are also some differences in practice, especially in the market in recent two years, investors who buy funds to make money are more than those who buy stocks to make money and have higher returns.
For partial stock funds, buying a fund is equivalent to buying a basket of stocks, and the income is the average performance of this basket of stocks. The risk is dispersed and the income is average. The rise and fall of a stock has little impact on the fund, and the risk is naturally smaller than that of a stock.
We should have a correct attitude towards the fund's rate of return, that is, its ability to make money. The risk and return are equal, and the fund is a relatively more stable investment and financial management method.
In addition to maintaining a reasonable expectation of fund returns, the investment period should not be too short. Funds are interested in long-term future income, and the change of fund scale caused by a large number of fund redemptions in a short time is not conducive to the fund manager's management of funds and the implementation of trading strategies.
Funds are managed by professional fund managers, who will select stocks, execute trading strategies, set positions and make timely adjustments according to market conditions through the strength of the team. If you buy a fund, you don't need to worry about the high stock price, you need to sell it to do short-term operations like stock speculation, and these things will be done by the fund manager for you. Your short-term operation will only increase the transaction fee cost for yourself.