Salary financial management: the essence of salary financial management is money fund product financial management. It allows investors to obtain a stable income of about 4%-4.5% with low risk. Therefore, wage financing can also be defined as savings financing. It belongs to the direct transfer of money to your wealth management products after the salary is paid, but it was also set up by yourself in the early stage.

The disadvantage of salary financing is the monthly salary, daily expenses and so on, which may not be suitable for people with annual salary and low income, because they have no fixed income every month.

Fund Fixed Investment: This is a long-term wealth management product, which can also be said to help you save money in disguise, reduce the economic pressure of investors, effectively dilute the fund cost and obtain higher returns in some cases. Now many platforms have this fixed investment option. He automatically buys a certain amount of funds at a certain time every month, and the amount of time can be set by himself. In fact, it is easier to operate, and you don't have to worry about the money in the card.

However, if you are more radical and impatient, it is not suitable to choose this kind of wealth management product, because the fund has no income or even losses from the beginning, and it is gold for a long time. For wealth management products that need capital turnover, wealth management products can choose the investment period and repay the principal and interest at maturity, while the fixed investment of the fund must last for several years or even more than ten years. If funds are needed to operate during this period, it is equivalent to giving up all previous efforts.

* * * Similarities between the two.

Both belong to a way of accumulating wealth. If you invest part of your salary every month, every little makes a mickle. After a period of investment, you can increase your assets. Let the moonlight family form the good habit of managing the house diligently.

The difference between the two

The degree of risk is different. Generally, people who make fixed investment in funds like to choose stock funds with large changes in net value. Only by insisting on fixed investment for a long time can they get better returns. In a narrow sense, financial institutions usually choose monetary funds or wealth management products with lower risks, and the income is relatively guaranteed but relatively low.

We can't simply generalize which financial management method is better, fixed investment or salary financial management. Because the above two are completely different ways of managing money. Therefore, Feng Rongjun believes that it is the most correct to choose the financial management method that suits you according to your own characteristics.