The difference between financial management and funds First of all, let's start with the amount of investment. The starting price of the fund is generally 1 1,000 yuan, and the starting price of some baby money funds will be lower. As long as the minimum 1 yuan, you can start investing. However, the starting price of bank wealth management products is more than this figure. When most people start financing, they start with 50,000 yuan, and some products even reach 1 10,000 yuan or more. However, some banks have launched some wealth management products with a starting price of 654.38 yuan +0 million yuan.
Secondly, the investment direction of different types of funds is also very different. For example, bond funds mainly invest in fixed-income securities with relatively low risks, while stock funds mainly invest in stock markets with relatively high risks. Most of the bank's wealth management products are invested in bond assets with low risk. At present, the expected returns of money funds and bank wealth management products are declining, and the returns of different funds are also very different. But in the short term, the income of bank wealth management products is still slightly higher.
Another point is that funds are relatively liquid, especially money funds, and most funds support fund conversion. However, bank wealth management products are restricted by relevant terms and do not support conversion.
No matter what kind of investment, there are risks. The risk of financial management comes from the product itself. Investors take risks and get benefits from them, so the risks and benefits are relatively stable. The fund has the characteristics of fund risk and return, which will disperse some risks, but more risks come from fund risk. If you are a novice investor, then I personally suggest that you can choose financial management. After all, the financial risk between the two is still slightly lower.