Second, the issuers are different. Open-end funds are issued by fund companies, and non-open net worth wealth management products are issued by banks.
Third, the investment direction is different. The investment direction of non-open net worth wealth management products is more stable, such as bank deposits and bonds. And open-end funds can invest in stocks, futures, options, etc. Its investment risk is significantly higher than that of net worth wealth management products.
Extended data:
Net worth wealth management product is a new type of bank wealth management product that combines open and non-guaranteed floating income. Even many people in the industry believe that net worth wealth management products will become the compass of future bank wealth management products. Net worth wealth management products will have a fixed opening period, which can be once a week or once a month, during which users can purchase and redeem.
Net worth wealth management products do not have the monthly or annual fixed income that P2P online loans and other investment forms have, and banks will not give users the promise of fixed income. So how to quantify the benefits gained by users? According to the characteristics of net worth financial products, the income of users is closely related to the net worth of products.
Compared with ordinary bank wealth management products, net worth wealth management products have the advantages of strong liquidity and high income, but the income and risk are always in direct proportion, and the risk of net worth wealth management products is higher than that of ordinary bank wealth management products. From the summary of these characteristics, we can know that net worth wealth management products are more suitable for investors who have certain risk tolerance and pay more attention to capital liquidity.
References:
Baidu encyclopedia-wealth management products