1. The calculation method of income is different: the income of income-based wealth management products = principal * wealth management days * annualized rate of return /365 days, and the income of net-worth wealth management products = redemption date net value * redemption share *( 1- redemption rate).

2. Different investment periods: Income-based wealth management products will have a fixed investment period and can only be redeemed after the expiration. However, net worth wealth management products have no fixed investment term and can be redeemed at any time.

3. The transparency of risk is different: the risk of income-based wealth management products is opaque and only the estimated income will be displayed. Net worth wealth management products are transparent and show specific benefits every day.

Similar to open-end funds, net-worth wealth management products are open-ended, non-guaranteed floating-income wealth management products with no expected income and no investment period. Products are open weekly or monthly, and users can buy and redeem them during the opening period.

Net worth wealth management products have no expected income, and banks do not promise fixed income. The benefits gained by actual users are related to the net value of products. Simply put, if the net value of the product is 1 when the user purchases it, the user's income on the next open day will be 1.2- 1 = 0.2. If the net value becomes 0.9, the gain is 0.9- 1=-0. 1, which means the loss is 0. 1. According to the signed agreement, the bank will publish the net value on a fixed date such as daily, weekly or monthly, and users can check the net value.

Net value of fund unit: refers to the current total net assets of the fund divided by the total share of the fund. People usually refer to funds mainly as securities investment funds. There are three main analysis methods of securities investment: basic analysis, technical analysis and evolution analysis, in which the basic analysis is mainly applied to the selection of investment objects, while the technical analysis and evolution analysis are mainly applied to the temporal and spatial judgment of specific investment operations as an important supplement to improve the effectiveness and reliability of investment analysis.

1. The income of net wealth management is related to the net value of the product, while the income-based wealth management products can know the possible income through prediction without special circumstances.

2. The investment in income-based wealth management products has a time limit, and the funds cannot be redeemed before the maturity after the investment. Net worth financial management is more flexible, with a fixed open day, during which you can purchase and redeem at will.

3. The income of net worth wealth management products is higher than that of income wealth management, but there will be losses if the market is not good. Income-based financial management is more stable.