Wealth management products and funds are venture capital. When buying, many novices don't know the difference between the two, so they will be very confused. For example, the difference between wealth management products and funds? What's the difference between fund and financial management? We have prepared relevant contents for your reference.

Difference 1: Different risks.

Funds can be divided into money funds, bond funds, mixed funds, index funds, stock funds and so on. The risks and returns of different fund types will be different, and wealth management products are generally divided into low risk, medium risk and high risk. Overall, the risk of funds is higher than that of wealth management products.

Difference 2: Different liquidity.

Funds are generally redeemed at T+ 1, and wealth management products generally have a term, depending on the specific situation of wealth management products, such as three months, six months, one year, etc. Generally speaking, the liquidity of funds is better than that of wealth management products.

Difference 3: Different management institutions.

Funds are managed and operated by fund companies, while most wealth management products are managed and operated by banks or bank wealth management subsidiaries. There is a difference between the two, but as long as it is a formal platform, there is basically no deception.

Difference 4: The handling fee is different.

Funds generally charge subscription fees and redemption fees, but most wealth management products do not charge subscription fees and redemption fees. When paying attention to the handling fee, we should focus on the provisions of the fund and the details of wealth management products, but in general, it will be different.

I hope the above content can help everyone ~