Funds and wealth management products are two mainstream investment tools for individual investors, and investors often compare them. So which is the expected return of funds and wealth management products? Let's first look at the difference between funds and wealth management products.

1. Which is the expected return, funds or wealth management products?

Whether it is a fund or a wealth management product, its expected return mainly depends on the risk of the product investment target.

Fund products can be divided into commodity funds, bond funds, hybrid funds and stock funds according to different investment targets.

Bond funds mainly invest in the bond market, with small capital fluctuations and stable expected returns, but the expected returns are not high, and the expected returns of bond funds are generally around 5%.

Equity funds have a large proportion of investment in the stock market, with large fund fluctuations and relatively high expected returns. The expected return of stock funds with good performance can reach more than 10%.

Wealth management products can also be divided into bond wealth management products and stock wealth management products according to different investment targets. The expected expected rate of return of bank wealth management products is mostly within 6%.

Second, the difference between funds and wealth management products.

1, investment threshold

The investment threshold of the fund is relatively low. 10 yuan can buy most fund products. The investment threshold of bank wealth management products is relatively high. General net worth wealth management products start at a minimum of 1 1,000 yuan, and many non-net worth wealth management products start at a minimum of 50,000 yuan or even 1 1,000 yuan.

2. Exchange rules

Fund products generally do not have a fixed investment period, and you can choose to sell the fund shares on the next trading day after the fund purchase confirms the shares. Most bank wealth management products have a fixed investment term, during which early redemption is not supported, and some wealth management products support transfer before maturity.

3. Calculation method of expected income

Fund products calculate the expected income according to the net value of the fund, and the rise and fall of the net value determines the profit and loss of the fund investment. The expected income of net-worth bank wealth management products is calculated according to the net value of the products, similar to that of funds, but the expected income of non-net-worth wealth management products is calculated according to the expected annualized expected income.

The above information about which expected income is higher, funds or wealth management products, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.