Investors who pursue stable expected returns will usually consider buying bond funds or wealth management products. The expected return of these two products is slightly higher than that of bank deposits and money funds, but the risk is less than that of stocks. So which is better, bond funds or wealth management products? Let's take a look together.

Which is better, bond fund or wealth management product?

1, investment threshold

Bond funds generally start at 10 yuan and accumulate at 1 yuan. The threshold and investment quota of bond funds are relatively flexible, which is a popular financial management method.

The investment threshold of wealth management products is much higher. General bank wealth management products and brokerage wealth management products start from 50,000 yuan, and some bank wealth management products start from 1 10,000 yuan.

2. Flexibility

Open-end bond funds generally have no investment term, and investors can purchase and redeem them at any time. Wealth management products generally have a closed period, during which early redemption is allowed, and only some bank wealth management products support transfer in the closed period. Therefore, from the perspective of flexibility, bond funds are superior to wealth management products.

3. Transaction rate

To purchase and redeem bond funds, it is generally necessary to pay a certain percentage of subscription fee and redemption fee, and the redemption fee can only be waived after holding it for a certain period of time. The subscription and redemption of wealth management products are generally free.

4. Expected rate of return

The expected returns of different debt bases and different wealth management products are different, but on the whole, the scope of investment targets of bond funds is slightly similar to that of wealth management products, so the expected returns of some bond funds are higher than those of wealth management products, such as hybrid bond funds.

In addition, some brokerage wealth management products have performance reward accrual standards, that is, when the expected income of the product reaches the set standard, the brokerage will extract a certain proportion of performance reward from the excess expected income.

The above content about bond funds and wealth management products is good, and I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.