1, the scope of investment target is different.

Broadly speaking, funds belong to one of financial management methods, and the investment tools in the investment market: funds, stocks, futures, etc. All belong to the category of financial management.

2, income and risk are different.

The investment direction of wealth management is very wide, and the risk is determined by the nature of the product itself. From low-risk fixed-income products to medium-high-risk stock option futures, risk is directly proportional to income.

3. Different pricing methods

The net value of the fund is calculated once a day, and the net value is updated once a day. The pricing method of wealth management products is also different according to different investment methods. For example, general bank financing: it has an expected rate of return, and the level of expected rate of return fluctuates according to the expected rate of return. Products generally have a closed period, and interest is paid at maturity or regularly; Prices such as stock futures options will fluctuate in real time during the opening period.

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.