Online financial management is issued by financial institutions, such as banks, securities companies and insurance companies. It is a kind of wealth management product, and its income is calculated by net value, which belongs to non-guaranteed floating income and has a fixed open day. Investors can purchase and redeem at will on the open day.

Funds are issued by fund companies. Fund assets are mainly invested in money market, bond market and stock market. They are products with * * * benefits and * * * risks. Funds are floating income products.