1. The risk of product-based financial management comes from the product itself. Investors take risks alone and get expected returns, investing in one wealth management product at a time; 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. Compared with financial management, funds have more choices. When investing in bonds, funds can choose stocks and fund markets with slightly higher risks, so the expected return may be higher, which will be more risky than the overall fund.
2. Liquidity funds can be purchased and redeemed flexibly on the open day, and will not change due to the net value of fund purchase and redemption; Wealth management products are bought and sold within the time limit and generally cannot be redeemed. From this perspective, the risk of wealth management products will be greater.
3. valuation method the net value of the fund is calculated once a day according to the market, and the price is one day. However, wealth management products generally have expected expected rate of return, and the level of expected return fluctuates according to the expected rate of return. Products generally have a closed period, and interest is paid at maturity or regularly, so the expected income of the fund can not be guaranteed basically, which is risky.
4. Generally, the starting capital for investment can be 100 yuan, while most of the conventional financial management is 1000 or 50,000 yuan. From the starting point of investment, the capital risk is small.