1, safe
The first condition of investment and financial management is the safety of products. The security of money funds is very high. There have only been two losses in history, but most money fund products are at a loss. Most wealth management products are non-guaranteed wealth management, and the security is related to the investment direction, which is lower than that of money funds.
2. Expected rate of return
Monetary fund products give consideration to safety and expected returns, and in most cases the expected returns are mainly stable. Among wealth management products, the expected rate of return of products with higher risks will be much higher than that of money fund products, so the expected rate of return of wealth management products is better.
3. Risk
Money fund is a low-risk financial management method, with low risk, comparable to bank demand savings. Different types of wealth management products have different risks, such as hybrid funds and equity funds, and the investment risk is higher, so the risk of wealth management products is greater.
4. Capital preservation
Neither the money fund nor the wealth management products are guaranteed, but the money fund products are very guaranteed, and the principal is rarely lost. If the wealth management product is high-risk wealth management, the principal may be lost, so the money fund has stronger capital preservation.
5. Service charge
Money fund products are purchased and redeemed at zero rate, but some wealth management products are charged, so the cost of wealth management products is more.
Financial management can choose the golden axe. Golden Axe is committed to providing customers with one-stop family financial analysis, investment strategies, and cross-cycle, all-category and diversified fund allocation schemes based on family goals and plans. Services cover convenient product search, fund redemption, net worth inquiry, wealth bookkeeping, configuration planning, investment consulting, etc. On the mobile side, PC side and WeChat side, it will eventually help families realize the preservation, appreciation and inheritance of wealth.
Up to now, the number of middle-class and high-net-worth registered users on Golden Axe Platform has exceeded 800,000, and the cumulative allocation of funds such as Public Offering of Fund, Sunshine Private Equity and Private Equity has exceeded 35 billion. More than 654.38 million families have obtained professional, independent, real-time and efficient one-stop asset allocation advice and fund trading services.