Compared with bank wealth management products, securities companies' wealth management products are more free, with lower rates, more convenient purchases and wider choices. The specific differences are as follows:

1. Freedom: Generally speaking, bank wealth management products cannot be withdrawn in advance, and there is a specified time. If money is urgently needed, it is very limited, but the wealth management products of securities companies have varieties that can be terminated at any time, and the selection range is wide;

2. Convenience: You need to make an appointment in advance to buy bank wealth management products, which is relatively passive. The wealth management products of securities companies are more abundant and can be purchased at any time, which is more convenient to operate. Others don't know that they can consult;

3. Cost: The purchase of bank wealth management products requires a certain management fee, while the wealth management products of securities companies basically have no additional management fee, which is directly the income;

4. Income: The investment scope of bank wealth management products is stipulated by law, and the income is basically not high. However, the wealth management products of securities companies are diverse, with or without risks and high risks, and there is a large choice. You can choose according to your risk tolerance.