No, the bank's wealth management products are not funds and do not belong to funds, both of which belong to a way of personal investment and wealth management. The bank's wealth management product is a fund investment management plan developed, designed and sold by the bank for specific target customers, while the fund is a wealth management product issued by fund companies, and the bank only provides a sales platform.

It should be reminded that bank wealth management products and funds are risky, but different products have different risk levels, but risks and benefits generally coexist.

Matters needing attention in investment and financial management are:

1. Choose a regular large platform for investment and wealth management to ensure the safety of the principal, because some small platforms may run away with money;

2. It is best to diversify investment funds. If the project you invest in has a loss, you will reduce the loss by diversifying your capital investment;

3. Have a good attitude. When investing in financial management, the mentality is very important, and a good mentality can make a rational choice;

4. Learn more. There is a lot of professional knowledge to learn in financial management, so we should look at other people's opinions more.

5. Always pay attention to investment projects. If you find something wrong, you'd better leave quickly.

If you are a novice investor, you can buy money funds, bank time deposits and other products first. These products are not risky, and there is basically no loss, but the income will be smaller. You can try stocks if you want high returns, but stocks are risky and you need to buy them carefully.