Financial management: Financial management includes funds, stocks and gold.

Fund: Its essence is collective financial management, which is an investment tool that gathers everyone's small funds and then has a fund manager to manage the investment, enjoy the benefits and take risks.

Stock: a security issued by a joint-stock company to shareholders to prove its shares. It can be used as transaction object and collateral, and it is one of the main long-term credit tools in the capital market.

Gold itself is a metal, and it is only because it is rare that it becomes a commodity and an investment. Relatively speaking, gold is suitable as a hedging tool for household asset allocation.

2. Different risk levels:

Stocks and funds belong to the same category, and the risks are relatively large. You can buy gold through Alipay's ant wealth, which is a less risky investment.

3, the essence is different:

Financial management is generally a fixed income product within a certain period of time, which belongs to the trust category.

The fund gives money to others, others do investment projects, and finally get benefits. The fund's income is floating, and it can even lose money.

Stocks are stocks issued by listed companies that they choose as investment targets, and they can participate in dividends or obtain price differences according to market fluctuations.

Gold is a product that can be bought and sold freely and belongs to appreciation investment.

Extended data:

Individuals buying bank wealth management products, funds and stocks are all means of wealth management. There are many kinds of bank wealth management products, such as currency, bond and stock. That is to say, the focus of capital utilization is different, and there are capital-guaranteed wealth management products and non-capital-guaranteed wealth management products, which means different risks and benefits.

For individuals, according to their own amount of funds, risk tolerance and familiarity with relevant knowledge, they decide to buy bank wealth management products or funds or stocks.