For many investors, net worth financial management is still a relatively unfamiliar type of financial management, and net worth financial management products do not have expected returns. Therefore, many investors are hesitant about this. So which one is better, net worth financial management products or funds?
1. Subscription threshold Net value financial products have a higher subscription threshold, with many starting from 100,000 yuan, 500,000 yuan, or 1 million yuan.
The starting point for fund subscription is relatively low, and the subscription threshold for public funds is generally more than 1,000 yuan.
2. The issuers of net value wealth management products are commercial banks or their wealth management subsidiaries and are subject to the supervision of the China Banking and Insurance Regulatory Commission.
The main issuers of public funds are fund companies and are supervised by the China Securities Regulatory Commission. The China Securities Regulatory Commission has also issued special management regulations for money market funds and has strict requirements for fund information disclosure.
Therefore, compared with the two, the conditions for the issuance and establishment of funds are more stringent.
Of course, compared with traditional financial products, net worth financial products are becoming more and more transparent.
3. Safe net-value financial products are non-guaranteed floating financial products. Similar to open-end funds, they have no expected return on investment and no investment period. They can be subscribed and redeemed at any time during the open period.
Although net worth financial products do not promise to protect capital, most products still have the sound style of banking products, and the expected rate of return is relatively stable.
In addition, the investment direction of net value financial products is more stable, such as bank deposits, bonds, etc., while the investment direction of funds is generally stocks, futures, options, etc.
Therefore, the investment risk of funds is generally higher than that of net worth financial products.