Which is more profitable, financial management or fund?
Generally speaking, financial management belongs to fixed income, and an expected income will be marked, and most financial products are time-limited, while the income of funds belongs to floating income. There are different types of funds, and the risks and benefits are also different.
On the whole, the expected return of funds is higher than that of wealth management, but the actual return is not necessarily higher than that of wealth management, because some funds are relatively risky, for example, stock funds, hybrid funds and index funds. They are all high-risk fund types. If the fund market is not good, it may suffer heavy losses.
Financial management is generally issued by financial institutions, and the investment direction is generally deposits, bonds and stocks. The relative risk is still a little smaller than the fund. When managing money, you can refer to the expected income of financial management, but this expected income does not represent the actual income. When the market is bad, it is possible to lose the principal, so both funds and wealth management should be carefully purchased.
Which is better, fund or financial management?
There is no fixed view on which is better, fund or financial management. When choosing, you should choose according to your risk tolerance. Only what suits you is the best, which can be analyzed from the aspects of risk, profitability and liquidity.
Funds can generally be divided into money funds, bond funds, stock funds, hybrid funds and index funds. Among them, money fund has the least risk, while stock fund, mixed fund and index fund have the greatest risk. If you want to buy a fund, but you can't afford the big risk, you can give priority to the money fund. If you want to pursue higher returns, you can give priority to high-risk fund types. When the market is good, high-risk fund types can be given priority.
General financial management can be divided into five risk levels: R 1-R5. If you can't bear relatively large risks, you can give priority to wealth management products with R2 or below, and investors with high risk tolerance can choose wealth management products with R3 or above.