中文：

信托基金是一种集合投资工具，通过将资金汇集起来，由专业的投资经理进行投资管理，以实现资产的保值增值。信托基金通常是由信托公司或基金公司发起设立，以信托方式委托专业的投资经理进行投资。

信托基金的投资范围广泛，可以包括股票、债券、房地产、商品期货等多种资产。信托基金的投资策略灵活多样，可以根据不同的投资目标和风险承受能力进行不同的资产配置。

信托基金的特点是集合投资、分散风险、专业管理。通过集合投资，可以将资金分散到不同的资产上，降低单一资产的风险。同时，通过专业投资经理的管理，可以更加有效地进行资产配置和风险管理。

信托基金的收益与风险并存。投资者需要根据自身的风险承受能力和投资目标选择合适的信托基金。同时，投资者还需要了解信托基金的投资策略、资产配置等情况，以便做出明智的投资决策。

英文：

Trust funds are collective investment vehicles that pool funds together and invest them through professional investment managers to achieve asset appreciation. Trust funds are typically established by trust companies or fund companies and invested in by professional investment managers through trust.

The investment scope of trust funds is wide, including stocks, bonds, real estate, commodity futures and other assets. The investment strategies of trust funds are flexible and diverse, and can allocate assets differently according to different investment goals and risk tolerances.

The characteristics of trust funds are collective investment, diversified risks, and professional management. Through collective investment, funds can be diversified into different assets to reduce the risk of a single asset. At the same time, through the management of professional investment managers, asset allocation and risk management can be carried out more effectively.

The returns of trust funds are accompanied by risks. Investors need to choose appropriate trust funds based on their own risk tolerance and investment goals. At the same time, investors also need to understand the investment strategy, asset allocation and other situations of the trust fund in order to make informed investment decisions.