Fund income is higher than wealth management products because the fund mainly invests in the stock market, and the fund income is determined by the investment target. The stock returns are higher, so the fund returns are higher. Financial management mainly invests in low-risk products such as time deposits and bonds. Although some wealth managers will invest in stocks, futures, options, foreign exchange and other products, the proportion of investment in stocks, futures, options and foreign exchange is relatively low, so the income from wealth management is relatively low.

The benefits are in direct proportion to the risks. Although the expected income of the fund is higher than that of wealth management products, the risk of the fund is also higher than that of wealth management products, and the probability of the fund losing money is relatively large, while the probability of the wealth management products losing money is relatively small.