Fund and financial management are two financial management methods that individual investors participate in more at present. With the wealth management products breaking the rigid redemption, the similarity between wealth management and funds is getting higher and higher, and many investors don't know how to choose. So is it better to buy 200,000 yuan for wealth management or a fund? Let's take a look together.

1, liquidity

Wealth management products generally have a certain investment period. Even for short-term wealth management products, the product term is mostly more than 90 days, and the investment funds need to be redeemed after the product expires, so the liquidity of wealth management products is poor.

Open-end funds are generally allowed to apply for redemption freely, and there is no fixed investment period. At the time of redemption, the expected income is calculated according to the current net value of the fund. The redemption time of ordinary funds is generally within 1-3 trading days, and the liquidity of funds is strong.

200,000 yuan belongs to the investment of large funds, and investors need to consider their own demand for liquidity. If this 200,000 yuan is idle for a long time, then investment and wealth management products will not be affected.

2. Product risk

Whether it is wealth management products or fund products, the risk level of different products is different. Bank wealth management products can be divided into five grades, but the risk grade of most bank wealth management belongs to R3 and below.

Among fund products, money funds and bond funds generally belong to low-and medium-risk products, which can be understood as R2 level in wealth management products, while stock funds mainly focus on medium-and high-risk products, corresponding to R4 level in wealth management products.

3. Expected income of products

Bank wealth management products have also begun to transform into net worth products, and the calculation method of expected income is similar to that of funds, and the expected income is calculated according to the rise and fall of the net worth of products.

The expected return of products is directly proportional to the risk, and the expected return of bank wealth management products within R3 level is generally less than 6%. The expected expected rate of return of equity funds is generally above 10%.

The above content about 200,000 yuan to buy wealth management is still a good fund, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.