Hello, there are many differences between the funds in Alipay and regular financial management! Some are directly related to the interests of our investment friends, so we must pay attention to them! We should carefully understand the differences between different products. Let me give my friends a detailed introduction to their differences: First, the investment period is different! Take Tian Hong Open-ended Monetary Fund in Balance Treasure as an example! Compared with conventional wealth management products, open-end funds have no fixed investment period! Investors can enter and exit according to their own situation! And regular wealth management products often have an agreed time limit when they are purchased, such as half a year, one year, three years and so on. Second, the risks are different. Open-end money funds have the reputation of quasi-savings! Monetary funds are mainly invested in bonds, inter-currency markets, and reverse repurchase of government bonds. For example, the national debt itself has a fixed income of 3~4%! So the risk is small! Regular wealth management products have a long investment period. The risk is not easy to control, and the expected income marked at the time of purchase is affected by many factors, which is often different from the actual income after maturity! More common is lower than the actual income! So the risks are different. Third, the ways of obtaining benefits are different. Open-end money funds settle accounts and distribute income every day. Regular wealth management products need to expire to pay the income and principal in one lump sum! There is no gain in the middle! Fourth, the protection provided is different. Tian Hong Fund is guaranteed by Alipay! Other wealth management products, the state does not provide the guarantee of principal and income at present! Fifth: Different managers, Tian Hong Fund is managed and operated by Tian Hong Fund Management Company in Alipay. Regular wealth management products are issued by many other companies, such as securities companies, commercial insurance companies, trust companies and other fund companies. Basically, each product has a different issuer and manager, and Alipay is only a consignment relationship. Sixth, the elasticity is different. Open-end money funds can be redeemed at any time according to their own situation and get corresponding income. Regular wealth management products are not allowed to quit before the agreed time limit! Otherwise, it will be punished as breach of contract! Sixth, the requirements for the amount of funds are different. There is no minimum investment limit for Tian Hong Fund in Alipay. At present, due to various factors, there is only the maximum investment limit, so it is very convenient for shopping balance or small capital investment. Regular wealth management products generally have the lowest investment limit, such as 20,000 yuan, 50,000 yuan and 6,543,800 yuan. To sum up, we can see that the Tian Hong open-end money fund in Alipay is only compared with regular wealth management products. The two are different in many aspects, such as safety, convenience, capital requirements, investment period and so on! Investors can compare their own funds and then invest! At the same time, it should be noted that the funds in Alipay are also divided into many categories. In addition to open money funds, there are also some bond funds and securities funds! At the same time, it is divided into open-end funds and closed-end funds. I suggest you carefully screen it! How to invest in financial management, make money and get more benefits is a concern of everyone! Welcome friends to share your experience, good product methods, latest information, leave a message and discuss with friends. * * * can win * * *, welcome to forward. Let more friends benefit!