所谓债券投资是指购买债务人发行的债务凭证,也就是说把钱直接借给债务人,通过每年获取利息和到期获取本金而取得收益。而基金投资则是通过购买基金份额,把钱交给基金管理公司进行投资管理,通过基金净值的增长和分红来实现收益。具体来说,二者的区别主要有以下几点: The so-called bond investment refers to the purchase of debt certificates issued by the debtor, which means that the money is lent directly to the debtor, and the proceeds are earned through obtaining annual interest and expiring principal. The fund investment is through the purchase of fund shares, the money given to the fund management company for investment management, through the growth of the net fund and dividends to achieve revenue. Specifically, the difference between the two main points are the following: