1, subscription threshold. The starting point of fund subscription is generally around 1000 yuan; The starting point for purchasing wealth management products is more than 50,000 yuan.

2. Liquidity. The liquidity of funds is strong, and wealth management products generally have a fixed term except for specific products.

3. Risk. Most funds are riskier than wealth management products.

4. Income. The fund is managed and operated by the fund company, and its net value is announced every trading day; Wealth management products are managed and operated by banks, and the rate of return is announced by banks.

5. handling fee. Most funds charge subscription and redemption fees; Except for specific products, most wealth management products have no subscription and redemption fees.

6. The safety of the two products is the same. Fund assets need to be managed in a bank with custody qualification, and the establishment and operation of its account are strictly independent of the fund manager and custodian; Moreover, there are strict requirements for information disclosure of funds. However, there is less disclosure of the bank's wealth management funds.

7. The subscription thresholds of the two products are different. The starting point of fund subscription is very low, while the threshold of bank wealth management products is high. Compared with the two, the starting point of bank wealth management products is higher.

Extended data:

Financial management method

Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.

1. Bank investment

The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.

2. Financial management of securities companies

Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.

3. Insurance financing

Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.

Baidu Encyclopedia: Financial Management