1, issuer
Bank wealth management is a short-term wealth management product endorsed by commercial banks and independently issued and sold by commercial banks. Monetary fund is a kind of fund, which mainly invests in relatively safe financing instruments such as government bonds, central bank bills and bank loans, and the issuer is a fund company.
2. Purchase channel
The participation channels of bank wealth management are flexible, and bank outlets, online banking and mobile apps can all be purchased. Money funds are usually purchased by investors through online and offline channels of fund companies after opening fund accounts.
3. Flexibility
Bank wealth management can only be automatically received at maturity, and the flexibility of money funds is relatively high, and redemption on trading days is fast.
4. Expected annualized rate of return
On the whole, the expected annualized rate of return of the two is not much different. The expected annualized rate of return of bank financing is between 3% and 5%, and the expected annualized rate of return of money fund is between 2% and 4%. The expected annualized rate of return of bank financing is slightly higher than that of money fund.
Step 5: deadline
Bank financing links usually have a fixed term, such as 28 days, 9 1 day, etc. Money funds have no holding period, so it is convenient to purchase and redeem them at any time.
Therefore, which is better, bank financing or money fund, depends on the investment period of investors and the requirements for expected returns.
From investment and financial management to Golden Axe, Golden Axe is an asset allocation service platform driven by research and technology. Committed to providing customers with one-stop family financial analysis, investment strategies, and cross-cycle, all-category and diversified fund allocation schemes based on family goals and plans. Services cover convenient product search, fund redemption, net worth inquiry, wealth bookkeeping, configuration planning, investment consulting, etc. On the mobile side, PC side and WeChat side, it will eventually help families realize wealth preservation and investment consultation.
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