Funds and bank wealth management products are common investment and wealth management methods, especially fund products, which have become more and more tools for individuals and families to allocate wealth management assets. As two different styles and types of products, which is more risky, wealth management products or funds? Let's take a look together.

1. Which is more risky, wealth management products or funds?

Both bank wealth management products and funds can be divided into many types. Different types of products have different risk levels, so we can't generalize which risk is greater, financial products or funds.

1. Risks of wealth management products

The risk grade of bank wealth management products is divided into five grades, among which only PR 1 is a low-risk capital preservation product, and PR2 is a medium-low risk non-capital preservation product, but the probability of principal loss is small. The general financial product manual will clearly indicate the risk level of the product.

2, the risk of the fund

According to different investment targets, funds can be divided into money funds, bond funds, hybrid funds and equity funds. The investment risk increases in turn, and the money fund has the smallest risk, but it is not a capital preservation product.

On the whole, money funds can benchmark the bank's PR2 products with low risk and non-capital preservation, but the probability of principal loss is close to zero, while bond funds can benchmark the bank's PR3 products with medium risk and non-capital preservation, and the probability of principal loss is small.

Second, the difference between wealth management products and funds

1, the investment threshold of wealth management products is high, generally starting from 50,000 yuan. The investment threshold of funds is low, and there is almost no investment threshold for money funds.

2. In addition to the current bank wealth management, traditional bank wealth management products have a closed period, do not support early withdrawal, and have poor capital flexibility. Open-end funds can be redeemed freely most of the time, and the funds are flexible.

3. This wealth management product is a one-time purchase, and phased investment is not supported. Funds can choose to buy at one time or invest in several times, which can spread investment risks.

Which of the above information about wealth management products and funds is more risky, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.