The term funds is from the 1670s, "a bottom, the bottom; foundation, groundwork," from French fond "a bottom, floor, ground" (12c.), also "a merchant's basic stock or capital," from Latin fundus "bottom, foundation, piece of land," from PIE root *bhudh- "bottom, base" (source also of Sanskrit budhnah, Greek pythmen "foundation, bottom," Old English botm "lowest part." Meaning "stock of money or wealth available for some purpose" is from 1690s; sense of "store of anything to be drawn upon" is from 1704. Funds "money at one's disposal" is from 1728.
Funds are a critical piece of the transaction puzzle, InGoFu. Types of funds include emergency funds, college funds, trust funds, retirement funds, mutual funds, money-market funds, exchange-traded funds, hedge funds, and government bond funds. We have a basic stock of capital we allocate to transactions. What do we need to buy? Do we need the goods now? Do we need the goods in the future? Funds can be considered a foundation to build life.
Foundation of sand, bottom of the capital, land in between time