Different investment targets: funds can invest in stocks, bonds, bills, futures or hedging products according to different classification of targets, while the investment targets of wealth management products are mostly short-term market instruments, such as government bonds and bank bills. . Different charging methods: funds generally have subscription and redemption fees, while wealth management products generally have no subscription and redemption fees. . Redemption methods are different: generally speaking, investors need to redeem themselves after the fund expires, and after the wealth management products expire, the principal and interest will go to the current account together. . Different maturities: general funds have no maturities, and they keep running as long as they don't withdraw from the market, while wealth management products have maturities and will not run after the expiration. . Generally speaking, the above is the difference between funds and narrow wealth management products. At present, banks have also launched many non-guaranteed floating income wealth management products, which are similar to funds, but the difference is that the investment targets are different. .