First, Li Caitong
1. Advantages
In fact, the difference between wealth management and change management is that the former is more like a platform, which contains a variety of wealth management products.
For example, current wealth management balance+,regular wealth management products, insurance products, brokerage products, funds and so on. Basically, there are financial projects that the public needs. So its advantage is that its choices are very rich.
2. Deficiencies
If there are any shortcomings in financial management, it must be that you can't use WeChat change to buy financial products, you can only pay by bank card.
Second, change the pass.
1. Advantages
In fact, the birth of change pass is to solve the shortcomings of wealth management pass. Its advantage is that you can use WeChat change to buy wealth management products.
It can be said that the change pass is a real WeChat version of Yu 'ebao, and it can also be directly used for consumption, which is a function that Licaitong can't do.
2. Deficiencies
So what are the disadvantages of changing the pass? I feel that compared with Licaitong, its choice is relatively simple. Now it can only buy a few money fund products, and the expected rate of return is also very limited.
Another big disadvantage is that it is not completely open, and only some users can experience it.
Summary: By comprehensive comparison, change pass and wealth management pass are not directly competitive products, but more like complementary products. Therefore, to say which is better, it is best to use them together.