Which is better, fund investment or wealth management, and which is better, fund investment or wealt

**Regular investment has the effect of compulsory savings, and the investment threshold is low, so the average salaryman can participate. Bank wealth management has a certain investment threshold, and the expected returns and risks are relatively moderate. Investors can choose according to their own needs, or they can combine the two products to diversify their risks.

Generally speaking, there are two types of investment, namely single investment and regular fixed amount, the latter is also known as regular investment, because of the low starting point and simple way of regular investment, it is also known as "small investment plan" or "lazy financial management". **Regular investment has similar characteristics of long-term savings, which can accumulate small amounts, evenly share investment costs, and reduce overall risks. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth, and eliminate the volatility of the market.

However, low risk does not mean no risk, and there are also risks such as liquidation and bankruptcy liquidation of the company. The invested money is held in custody by a third-party bank, so even if the company is liquidated or bankrupt, the investment funds can generally be recovered, but the investment income will inevitably be lost.

And wealth management products, at present in the market is very many types, there are high-risk and high-yield products, there are also more stable but average income products, many currency wealth management products and bond wealth management products, the risk is not lower than the first fixed investment, you can according to their own situation, consider the benefits and risks of the product after making a choice.

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**The differences between AIP and bank wealth management products are as follows:

1. Investment threshold.

**The threshold of regular investment is equivalent to the one-time **threshold, and generally** products are from 10 yuan; The minimum investment threshold for bank wealth management products is much higher, generally 50,000 yuan, and some cash management products have lowered the minimum investment threshold to 10,000 yuan, or even 1,000 yuan. The specific requirements are subject to the actual requirements of the purchased products.

2. Liquidity.

**The advantages of regular investment can only be better played by long-term persistence, so it is generally recommended that the regular investment time is more than 1 year; There are many options for the investment period of bank wealth management products, ranging from a few months to several years. If investors are in urgent need of money, they can apply for redemption at any time; Bank wealth management products usually need to expire before they can be redeemed, and only some current wealth management products support early redemption.

3. Transaction fees.

**Regular investment needs to bear a certain transaction fee, so the transaction cost of short-term holding will be relatively high; In general, there is no additional handling fee for bank wealth management products.

4. Expected income of the product.

**The expected rate of return is related to the type, market and other factors, and the regular investment will generally choose the equity class with large fluctuations, and the expected rate of return of the regular investment can reach more than 8% when it is better; The annualized expected rate of return of bank wealth management products is related to the risk level of the product, with an average of about 4-5%.

Tips: Whether it is a regular investment or financial products have their own advantages, their investment nature, risks and returns are different, it is recommended that you understand the basic information of the product investment direction, risk type and other basic information before purchasing, and choose products that meet your own risk tolerance and asset management needs according to your own needs.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

After having a certain amount of savings, people usually consider investing in asset management to resist inflation and avoid shrinking their wealth. Among the many asset management methods, regular investment and bank asset management products are the two more common ones. Next, Jintou will introduce which is better, regular investment or asset management products.

1. Threshold for investment picnics.

**The threshold of regular investment is equivalent to the threshold of one-time purchase, and generally** products are from 10 yuan. The investment threshold for bank asset management products is much higher, with a general investment of 50,000 yuan. Some cash management products lower the investment threshold to 10,000 yuan.

2. Liquidity.

**The advantages of regular investment can only be better played if it lasts for a long time, and it is generally recommended that the regular investment time is more than one year. The investment period of bank wealth management products is large, ranging from a few months to several years.

However, if investors need money**, they can also buy it back at any time. Bank asset management products must be redeemed at expiration, and only some asset management products support non-expired transfer. Therefore, in general, the liquidity and asset management products of ** regular investment are very good.

3. Transaction rate.

**Fixed mold spine shed investment needs to bear a certain transaction fee, and the transaction cost of short-term holding is high. In general, there is no additional handling fee for bank wealth management products.

Fourth, the expected income of the product.

The expected rate of return is related to the type, market and other factors, and the regular investment generally chooses the equity class with large fluctuations, and the regular rate of return can reach more than 8% when it is better. The annualized expected rate of return of bank wealth management products is related to the risk level of the product, which is about 5% on average.

Summary: **Regular investment has the effect of compulsory savings, the investment threshold is low, and the general office workers can participate. Bank deposits have a certain investment threshold, and the expected returns and risks are relatively moderate.

Investors can choose according to their needs, or they can combine two products to diversify their risks.

Recommend 070010 Harvest Themes.

Under ****, we should choose those who are proactive and flexible. In the past six months, the performance of Harvest Theme (070010) can be described as very dazzling, which is inseparable from the "personalized" operation of its ** manager Zou Wei, in addition to the research strength and management method of Harvest ** management company is also an important factor in its outstanding performance. So back to the choice we mentioned earlier, when the **up and down are swinging, the more flexible hybrid ** should theoretically perform more prominently than the **type**, but in practice, due to the excessive scale of the public offering ** and other restrictions, unless it encounters a relatively large systemic risk, the hybrid ** rarely lowers the **, so the hybrid **, which should be more flexible, does not show its advantages.

Therefore, whether it is the first type or the mixed type, we look at his historical operation style, and try to choose the most frequent varieties of position adjustment and stock exchange, of course, it is necessary to operate correctly, if the replacement of the ** will also increase the investment cost and will not be affected by the good effect.

At present, the Harvest theme is only open for subscription for 1 day per month, and it can also be regularly invested.

630002 The prosperity of Chinese businessmen.

In the past two years, China Commercial has shown strong stock selection ability and market grasp ability in different market environments, especially the growth of China Commercial Shengshi, which has just won the "2009 Open Golden Bull", and has demonstrated good resistance in the market in 2010. Wind data shows that as of June 3, the growth rate of China Commercial Shengshi has won the first type of income champion this year, and it is one of the most ideal regular investment varieties.

At present, China Commercial Shengshi has suspended large-amount subscriptions, and small subscriptions of less than 500,000 yuan are allowed.

1. Which bank is more convenient to handle and what documents are required?

Answer: Which bank handles it is the same, but the ** that each Canadian bank can handle regular investment is not all the same. ID card is required.

2. You don't have to deposit money at the bank every month, right? Is it possible to be off-site?

Answer: You don't have to deposit money in the bank every month, as long as the money on the card is enough, it will be automatically deducted. Online banking can only be opened in other places, otherwise it is not.

3. There are many types, which is better for me to invest as a novice?

Answer: Suggestion: Chinese businessmen grow in prosperity and harvest grows.

4.If I don't want to invest regularly, how can I get my money back?

A: It can be redeemed at any time and the money will be credited to your card.

5. If I need to save 200 yuan per month, can I save more?

A: No, you cannot.

6. I know that if I don't deposit for 3 months, I will cancel the ** regular investment agreement. So what do I have to lose?

A: There are no losses, but it is normal to lose money, not because it is not due.

7. In the same bank, how many types of regular investment can be handled?

A: Variety, unlimited.

1. Just go to the bank with your ID card! It is recommended to go to CCB!

2. As long as you transfer the money to the bank account of your ** card, you can do it! The system will automatically deduct the payment according to your contract!

3. Huaxia Company and Bosera Company are good. I invest in ChinaAMC Dividend Blend** and Bosera Emerging Growth**.

4. Directly terminate the contract and redeem it!

5. This is timed and unfixed, which is okay!

6. Nothing to lose! **Will work normally. If you make up later, it will be automatically deducted, and make up for the money you have not paid for those months!

7. It depends on the head office of this bank and several companies to sign contracts! Generally, large banks have signed contracts with large ** companies!

Which bank is more convenient to handle and what documents do you need?

Answer: Every bank is almost the same, it is recommended to go to the bank you usually use, and you don't need to deposit your ID card in the bank every month, right? Is it possible to be off-site?

A: No, you can.

**There are many types, which one is better for me to be a novice**Fixed investment?

Answer: According to your own risk appetite, the risk of the bond type is the smallest, the hybrid type is second, and the ** type is the largest, if I don't want to invest in the fixed investment, how to get the money back?

Answer:**Redemption, after redemption, the money will be in your bank card, if you need to save 200 yuan per month, can I save more?

Answer: You can only more, not less, **regular investment is like this, buy one with a fixed amount on a fixed date every month**, I know that if you don't deposit for 3 months, you will cancel the **regular investment agreement. So what do I have to lose?

Answer: That is to say, from now on, the previous agreement will not be implemented, that is, your money will no longer be deducted, and it will not help you buy **, in the same bank, how many **regular investments can be handled?

Answer: There are many kinds of applications, such as Bosera, Huaxia, E Fund, etc.