Which income is higher, bank wealth management products or funds?
It depends on what kind of financial products and funds. If it is a money fund, the income will be lower than that of wealth management products, but the income of stock funds or hybrid funds will be higher than that of wealth management products. Of course, high returns are accompanied by high risks, so we can't simply compare their returns. After all, they all belong to wealth management products, which are not guaranteed, but are essentially financial management on behalf of customers.
Funds are floating income, issued by fund companies, and mainly invest in financial products such as stocks and bonds. They are a kind of investment with * * * returns and * * risks.
Financial management is a fixed income, which is issued by financial institutions and mainly invested in deposits, bonds and stocks. Financial management is not a capital preservation product, and the losses are borne by the investors themselves.
From the risk point of view, there are products from low to high, and it is hard to say who has more advantages than who. From the perspective of capital preservation, neither of them is capital preservation. Except for some bank wealth management products, which have a capital preservation characteristic of 2%, money funds are also very safe, but the yield is also low, only about 2%.
From the perspective of income, there are relatively many high-risk products of the fund, and taking higher risks means demanding higher income, so the overall income level of the fund is obviously higher. From the liquidity point of view, the two can be said to have mutual advantages, mainly depending on whether the products bought have a closed period.
Bank wealth management products and funds can be said to be equally divided. There is no clear answer to which one to choose. Mainly depends on which is more suitable for investors. After all, what suits you best is the best, and it depends on which one you like. After all, interest is the best teacher.