Is Shandong A Niu Zhitou reliable? Which is better, net worth wealth management products or funds?

For many investors, net worth wealth management is still a relatively unfamiliar financial variety, and net worth wealth management products do not have the expected return, so many investors are hesitant about this, which is better, net worth wealth management products and funds?

1. Subscription threshold

The subscription threshold of net worth wealth management products is high, and many of them are purchased from 100,000 yuan, 500,000 yuan and 1 million yuan. The starting point for fund subscription is relatively low, and the subscription threshold for public funds is generally more than 1,000 yuan.

2. Issuing institution

The issuer of net worth wealth management products is a commercial bank or its wealth management subsidiary, which is subject to the supervision of the Banking and Insurance Regulatory Commission. The issuer of public funds is a fund company, which is supervised by the CSRC, which has also issued special regulations on the management of money market funds, which have strict requirements for the disclosure of funds. Therefore, compared with the two, the conditions for the issuance and establishment of the fund are more stringent. Of course, compared with traditional traditional wealth management products, the transparency of net worth wealth management products is also getting higher and higher.

3. Security

Net worth wealth management products are non-principal protected floating wealth management products, similar to open-end funds, there is no expected investment expected income, there is no investment period, and it can be purchased and redeemed at any time during the open period. Although net worth wealth management products do not promise to protect the capital, most of the products still have a stable style of bank products, and the expected yield is relatively stable.

In addition, the investment direction of net worth wealth management products is more stable, such as bank deposits, bonds, etc., while the investment direction of funds is generally stocks, futures, options, etc. Therefore, the investment risk of the fund is generally higher than that of the net worth wealth management products.