Broadly speaking, fund products belong to one of the major categories of financial management. But in a narrow sense, the fund products issued by fund companies are not the wealth management products of banks. There is an essential difference between the two. Fund products issued by fund companies are issued by fund companies. The investment targets range from stocks and bonds to money markets, and the buyers are our ordinary investors. Of course, many fund companies will choose to sell their fund products in the banking channel. Bank wealth management products are collective asset management tools issued by banks themselves, and the investment targets include bonds, creditor's rights, interbank lending and so on.

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What's the difference between fund and financial management?

1, difference in investment scope

Broadly speaking, funds belong to a form of financial management, and general funds are called lazy financial management. This is because the fund has professional investors to help invest, and there is no need for the fund to adjust its investment position. All investment tools in the investment market: funds, stocks, futures, etc. Belongs to financial management.

2. Different risk-taking and income levels.

The investment direction of wealth management is very wide, and its risks are determined by the nature of the product itself, from low-risk savings to high-risk stock option futures. Investors take risks and gain profits alone. Fund investment has the characteristics of fund risk, and can invest in multiple targets to spread the risk; But in addition to the risk of investment target, there is also the financial risk brought by investment funds.

3. Different pricing methods

The net value of the fund is calculated once a day according to the market, with a price per day, and the pricing methods of wealth management products are different according to different investment methods. For example, general bank financing: it has an expected rate of return, and the income level fluctuates according to the expected rate of return. Products generally have a closed period, and interest is paid at maturity or regularly; Stock: The price changes every 15 second.

4. Different liquidity

Funds can purchase and redeem flexibly on the open day, and will not change because of the net value of fund purchase and redemption; Some wealth management products can be bought and sold at any time to earn the difference, such as stock foreign exchange; Others need to be bought and sold within the time limit, and generally cannot be redeemed.

The fund is an expert in helping you manage your money. The minimum starting capital of the fund is 65,438+0,000 yuan, and 200 yuan can buy funds from banks or fund companies when he invests.

Do you want high risk, high income or steady capital preservation income before buying a fund? The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. The investment methods of funds and wealth management products are different. Generally speaking, there are two ways to invest in a fund: single investment and regular quota. Fund management is more free.