2. The emphasis of product type is different. Bank wealth management products invest more in some bonds or some conservative products such as foreign currency. There are few restrictions on fund investment, and stocks can also be used. Different types of funds invest in different products.
3. Due to different liquidity, the liquidity of bank wealth management products is poor. Generally speaking, it is not allowed to sell at any time after buying, and it can only be sold at the time specified by the bank or after expiration. Funds can be bought and sold at any time as long as they do not make special provisions.
4, different service fees, different fund subscription and redemption, need to pay a certain fee; Bank wealth management products only require investors to cancel the contract in advance and pay a certain cancellation fee.
1, wealth management products, that is, products designed and issued by commercial banks and formal financial institutions themselves, are products that put the raised funds into relevant financial markets, purchase relevant financial products according to product contracts, and distribute them to investors according to the contract after obtaining the investment income. The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.
2. Types of financial management. Since 20 12, with the gradual implementation of a series of national financial policies, it has opened up a broader development space for the investment and wealth management market. Personal investment and financial management can be described as many hot spots, which can be summarized as follows:
Saving, saving or deposit is a common investment behavior of ordinary families, and it is also the most commonly used investment method. Compared with other investment methods, savings has the characteristics of safety and reliability (protected by the Constitution), convenient procedures (savings outlets all over the country), flexible forms and inheritance. Savings is the business that banks mobilize and absorb residents' surplus monetary funds through credit. After absorbing savings deposits, banks put money into the social production process in various ways to make profits. As a price for using savings funds, banks must pay interest to depositors. Therefore, for depositors, participating in savings not only supports national construction, but also increases or preserves the value of their own monetary funds, which has become a family investment behavior.
3. Gold speculation: Since the Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal financial market, attracting investors' attention. Especially in the past two years, the international gold price has continued to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future gold demand growth potential is huge. Especially after 2004, the pricing method of domestic gold jewelry will gradually change from the integration of price and fee to the separation of price and fee, and the 5% consumption tax on gold jewelry is expected to be abolished, which will greatly promote the increase of gold investment, and the gold speculation business will surely become a bright spot in the field of personal financial management and truly enter the golden age of investment and financial management.