Financial management does not belong to the fund. Financial management is generally issued by banks, brokers, insurance and third-party institutions, while funds can only be issued by fund companies.

Financial management is generally a fixed income, which is divided into five levels according to different risks: R 1-R5. Wealth management with low risk level generally invests in assets such as deposits and bonds, while wealth management with high risk level generally invests in assets such as foreign exchange and stocks.

Funds are floating income, which are divided into different types of funds according to the investment objects, such as bond funds and hybrid funds, and the risks of funds are greater than financial management.