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What is the difference between bank wealth management products and funds? What's the difference between their risks? I bought the 57th issue of ICBC ZQXT75 and the 25th issue of wealth management. How
What is the difference between bank wealth management products and funds? What's the difference between their risks? I bought the 57th issue of ICBC ZQXT75 and the 25th issue of wealth management. How risky is it?

RMB wealth management product with exclusive portfolio investment for high-net-worth customers (75 days) ZQXT16, with an investment period of 75 days, and credit risk: this product is mainly invested in trust plans and other assets or asset portfolios that meet the requirements of regulatory authorities, various bonds issued in the inter-bank bond market, money market funds, bond funds and other money market investment tools. Customers face credit default of users and bond issuers involved in the investment trust plan, assets or asset portfolio. If the above situation occurs, the customer will face the risk of loss of investment principal and income.