1. Different investment strategies: the investment strategies of net-worth funds are more diversified, including stocks, bonds, futures and other different types of assets, while money funds mainly invest in low-risk financial assets, such as short-term bonds, deposits and interbank loans.

2. Different risk and return: the risk of net-worth funds is relatively high, but the potential return is also high, while the risk of monetary funds is relatively low, but the return is relatively stable.