First of all, the overview of the two is different:

1. Overview of bank wealth management products: Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customers on the basis of analysis and research on potential target customers.

2. Overview of fund financial management: Financial management fund is an investment tool. Securities investment funds collect the funds of many investors, which are managed by fund trustees (such as banks) and managed and used by professional fund management companies. By investing in stocks, bonds and other securities, the purpose of income is realized.

Second, the main characteristics of the two are different:

1. Main features of bank wealth management products: In this investment model of wealth management products, banks only accept the funds entrusted by customers, and the investment benefits and risks are borne by both customers or customers and banks in an agreed way.

2. The main characteristics of fund financing: financial funds have strict restrictions on their own investment varieties and duration, and cannot invest in A shares and convertible bonds. You can only invest in short-term high-security varieties such as central bank bills, short-term financing bills and agreement deposits within 397 days.

So the risk is very low, equivalent to a money fund. In addition, compared with the bank's wealth management products, the wealth management fund also has an advantage that its operation will be more transparent. Because it is a fund custody, the data of the fund's seven-day annualized rate of return and other yield data will be published every day.

Third, the selection principles of the two are different:

1, selection principles of bank wealth management products:

(1) Look at the expected income and risk status of products: the expected income of bank wealth management products is only an estimate, not the final income. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products.

(2) Second, look at the product structure and redemption conditions: for bank wealth management products, investors need to know the target of the product; Investors need to be cautious about those unfamiliar and uncertain wealth management products.

Some wealth management products are not allowed to be redeemed in advance. Although some wealth management products can be redeemed in advance, they can only be redeemed at a specific time and need to pay redemption fees. Some wealth management products have a capital preservation clause, but the premise is that the products must expire, and investors may lose their principal if they redeem them in advance.

(3) Third, look at the product term: Some financial experts believe that the term of bank wealth management products is long or short, and some half-year or one-year wealth management products may be issued at a high level in the stock market. Now the stock index has been "halved" If such wealth management products suffer losses, it will be more difficult to achieve "turning losses" in the short term.

Some wealth management products have a long term and a good design structure. Even if they lose money now, if the market improves in the next two or three years, it is entirely possible for such wealth management products to turn losses into profits.

2. The selection principle of fund financing:

(1) Buy the old and don't buy the new: At present, the market is in the cycle of interest rate reduction, and the funds established in the early days can get higher interest and better income. Moreover, compared with the newly established wealth management fund, the redemption when the fund is opened is of little help, and the scale is relatively stable, which is also helpful to the income. Attached is the timetable for the establishment of the wealth management fund.

(2) Matching its own liquidity requirements: all wealth management funds are open for regular redemption. At present, there are many wealth management funds with different maturities in the market. There are 7 days, 14 days, 28 days, 30 days, 60 days, 90 days and other financial funds. Investors should choose different financial funds according to their own liquidity needs.

(3) Give priority to the varieties of rolling investment: At present, there are two investment modes of wealth management funds, one is the rolling investment mode represented by Huitianfu, and the other is the regular liquidation mode of Huaan.

At present, most wealth management funds in the market invest in the former, because rolling investment can build a long-term variety, which is more conducive to income. However, the Hua 'an model is full liquidation of each period, which is not conducive to improving income, but has clear expected income. From the perspective of investment income, varieties that can be invested in a rolling way can be given priority.

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