what's the difference between fund and financial management?

1. Different investment targets

Broadly speaking, funds belong to one of the financial management methods, and investment tools in the investment market: funds, stocks, futures, etc. all belong to the financial management category.

2, income and risk are different

The investment direction of financial management is very wide, and the risk is determined by the nature of the product itself. From low-risk fixed-income products to medium-high-risk stock option futures, the risk is directly proportional to the income.

3. Different pricing methods

The net value of funds is calculated once a day, and the net value is updated once a day, while the pricing methods of wealth management products are different according to different investment methods. For example, general bank financing: it has an expected rate of return, and the expected level of return fluctuates according to the expected rate of return. Products generally have a closed period, and interest is paid at maturity or regularly; Prices such as stock futures options fluctuate in real time during the opening period.

4. Different liquidity

Funds can purchase and redeem flexibly on the open day, which will not change due to the net value of fund purchase and redemption; Some wealth management products can be bought and sold at any time to earn the difference, such as stock foreign exchange; Others need to buy and sell within the time limit, and generally cannot be redeemed.