手头闲置的钱,既可以存入银行,也可以用来购买开放式基金,二者都能获得稳定的收益,都可以随时兑付现金。那么,投资开放式基金与银行储蓄到底有什么区别呢? 第一,资金投资方向不同。银行将储蓄存款的资金通过企业贷款与个人信贷的渠道投放到生产或消费领域,以获得收益(利息差);开放式基金将投资者的资金投资于证券市场,包括股票、债券等,通过分红或债券 The unused money on hand can be deposited into the bank as well as the open-end fund, both of which yield a stable return and are readily redeemable for cash. So, investment open-end funds and bank savings in the end what is the difference? First, capital investment in different directions. The bank places the funds of savings deposits on the production or consumption areas through corporate loans and personal credit to gain profits (interest spreads); the open-end fund invests investors’ funds in the securities market, including stocks and bonds, Or bond