Bank wealth management products and funds are two different ways of managing money, and they have the following differences:

1, product type: most bank wealth management products are fixed income, while most funds are floating income;

2. Subscription threshold: the bank's financial management threshold is higher than that of the fund, subject to the actual product;

3. Procedural fees: Generally, bank financing will only generate fees if the contract is terminated in advance, and the fund may have fees such as subscription and redemption;

4. Security: The risk of bank financing is lower than that of funds, and it is more secure, but it is not absolute.