Which is better, P2P or fund, and what are the differences between P2P wealth management and fund

It is handed over to a professional company to be invested by a manager in bonds, currencies, etc., with lower returns and more stable; P2P is a person-to-person credit loan, with high risk and high returns, if you choose the right company, the income should be good, and the risk will be reduced.

**。X0D X0a** investment is managed by **management company through the issuance of **shares**, and the funds are managed by **custodians (i.e., qualified banks), which is actually an indirect **investment**. The manager manages and uses the funds, engages in the investment of financial instruments such as bonds and bonds, and then shares investment risks and returns.

There are many P2P wealth management companies on the X0D X0A market, and the products are not different, and the rate of return is not the same, so it is recommended that investors can choose a product that suits them rationally and cautiously when choosing a product. At the same time, when choosing a P2P company, you must move around more, investigate more, and choose a company with formal qualifications and good reputation to handle business, so as to ensure the safety of investors' funds.

**What is the difference between wealth management and financial management?

1. The scope of investment targets is different.

Broadly speaking, ** belongs to one of the financial management methods, and the investment tools in the investment market: **, **, **, etc. all belong to the category of financial management.

2. The benefits are different from the risks.

The investment direction of wealth management is very wide, and the risk is determined by the nature of the product itself, from low-risk fixed-income products to medium-high risk **options**, etc., the risk is proportional to the return.

3. The pricing method is different.

**The net value is calculated once a day, and the net value is updated once a day, and the valuation method of wealth management products is also different according to different investment methods. Such as: general bank wealth management:

With the expected rate of return, the expected rate of return fluctuates according to the expected rate of return, and the product generally has a closed period, with interest payment at maturity or regular interest payment; Options, etc.** fluctuate in real time during the opening of the market.

4. The liquidity is different.

**Flexible subscription and redemption on the open day, will not change due to the amount of net value of **subscription and redemption; Some wealth management products can be bought and sold at any time to earn the difference, such as foreign exchange, etc.; Some need to be bought and sold within the time limit and are generally not redeemable.

P2P financial management refers to the lending between individuals, and refers to the use of the platform as an intermediary to connect the borrower and the borrower to achieve their respective lending needs. The borrower can be an unsecured loan or a secured loan, and the investor invests in the borrower through the platform, and the intermediary generally charges a handling fee from both parties or one party for the purpose of profit or earns a certain interest rate difference for the purpose of profit.

That is, you hand over your money to the management company, and then the manager of the management company takes your money to make investments, such as buying, bonds, etc., the risk is greater than bank deposits, and smaller than that; The income is also uncertain, mainly determined by the manager's investment level and the market, there are hundreds, and the style is different, depending on your needs.

**Difference from wealth management products.

It is handed over to a professional company to be invested in by a manager, bonds, currency, etc.; P2P is a person-to-person line of credit.

1. Peer-to-peer network, also known as working group, each computer on the network has the same function, there is no master and slave, a computer can be used as a server, set up shared resources for other computers in the network to use, and can be used as a workstation, there is no dedicated server, there is no dedicated workstation. Peer-to-peer network is a common networking method for small local area networks.

Peer-to-peer computing (P2P) can be simply defined as the sharing of computer resources and services through direct exchange, and the network formed by the application layer of the peer-to-peer computing model is usually called a peer-to-peer network. In a P2P network environment, thousands of computers connected to each other are on an equal footing, and the entire network generally does not rely on dedicated, centralized servers. Each computer in the network can act as a requester for network services and respond to requests from other computers to provide resources and services.

Typically, these resources and services include: information sharing and exchange, computing resources (such as CPU sharing), storage sharing (such as the use of cache and disk space), etc.

2. There is a broad sense and a narrow sense of fund, in a broad sense, it refers to a certain amount of funds established for a certain purpose. It mainly includes trust investment, provident fund, insurance, retirement, and various wills. What people usually refer to as ** mainly refers to ** investment **.

There are three main investment analysis methods: basic analysis, technical analysis, and evolutionary analysis, in which fundamental analysis is mainly used in the value judgment and selection of investment objects, and technical analysis and evolutionary analysis are mainly used in the time and space judgment of specific investment operations, as an important supplement to improve the effectiveness and reliability of investment analysis.

If this kind of private partnership investment activity establishes a complete contract with the investor, it is a private placement (in China, it has been supported by the supervision and legality of the Investment Law of the People's Republic of China, and the new Investment Law of the People's Republic of China has been officially implemented on June 1, 2013).

If this kind of partnership investment activity is approved by the national industry management department (China's first industry supervision and administration commission), the lead operator of this activity is allowed to publicly raise funds from the public to absorb investors to join the partnership, which is the issuance of public offering**, which is commonly seen.

Not only can you invest, but you can also invest in businesses and projects. The management company concentrates investors' funds through the issuance of ** units, which are managed by ** custodian (that is, qualified banks), and managed and used by ** managers to invest in financial instruments such as ** and bonds, and then share investment risks and returns.

Of course not, but the two are related, for example, P2P operations are sometimes like ** fundraising operations. What people usually refer to as ** mainly refers to ** investment **. P2P generally refers to Internet finance, and refers to online credit platforms and related financial management behaviors and financial services with the help of the Internet and mobile Internet technology.

P2P stands for peer to peer. **There are many kinds, which is a way of managing money, and they are two different things.

P2P is a platform, and ** is institutional financial management.

**Difference from wealth management products.

Well, this one still has to be taken out separately. 1922

Advantages of P2P Wealth Management: High Returns and Low Thresholds The reason why P2P financial management is so eye-catching, but it makes many people hesitate, is because of its coexistence of high returns and high risks.

Disadvantages of P2P Wealth Management: Lack of Supervision and Greater Risk On the other hand, there have been a number of incidents of redemption risks and platform failures among private P2P online lending companies, and multiple online lending platforms have been exposed to problems in repayment or withdrawal, which has aroused investors' concerns about the risks of P2P lending.

Investment Advantages and Weaknesses.

Diversify your investments. Regardless of the amount of money you have, it is important for investors to follow the important rule of diversification. However, due to the limited amount of funds, if ordinary investors want to fully diversify their investments and hold different types of investments, bonds and other investment varieties, the final effect may be counterproductive, and they go to the other extreme of over-diversification, which makes investment returns unguaranteed.

In particular, if you do not have the corresponding professional skills to invest, the risk is even greater. And by buying co-ordinary**, investors can instantly gain access to a fully diversified portfolio. Of course, if you only buy one, you still can't diversify all your assets, and you also need to hold a number of products with different styles and investment directions.

Economies of scale. As in other industries, if you buy a lot of things and a large quantity, you can get more discounts from merchants. The operation of a huge amount of money in common can allow them to get lower trading commissions from brokers, which can significantly reduce transaction costs.

Imagine if your portfolio is 10 to 20**, and you not only have to pay the normal transaction costs for each one**, but you also have to pay the cost for each buy and sell transaction when you need to adjust the portfolio. Finally, after subtracting all accumulated transaction costs, your return on investment may not be as good as it seems. The transaction cost and frequency of investing** are much smaller.

Strong liquidity. The liquidity of the common ** is as strong as **, and investors can buy and redeem** at any time. From a liquidity perspective, investing** has significant advantages over investing in real estate or other real estate.

Moreover, investors can also be divided into batches and installments, and will not be unable to engage in investment activities because of the limited amount of funds temporarily. 4.Expert Money.

Compared with the vast majority of the investing public, managers should be called experts. Their mastery of investment knowledge and skills, as well as the support of resources, are much higher than those of ordinary investors. Let the best professionals help you take care of your investments, although there is no guarantee that their performance will be outstanding, but it will basically be more casual than yourself"Place your bets"Or it is much better to leave the funds idle.

Of course, P2P is better, if it is**type**, there is still a risk, P2P has a higher interest rate, such as an online banking loan annual interest rate of 18%, which is higher than some**income, and it is more stable than him.

There is no exact comparability, the return is high risk, the return is low and the risk is small, and you will not want the P2P return but take the risk.

You're really tricky about this, 1125

The differences between the two are:

1. Transparency is different. P2P is a person-to-person loan, so the financial manager is very clear about the details of the borrower. This is not the case with trust wealth management products.

2. The benefits are different. P2P is a new industry, and its interest rate has not yet become market-oriented. As a result, the benefits vary widely. However, trust wealth management products have existed for many years, so their income is relatively stable.

3. The risks are different. For now, P2P is riskier than trusts. But if you choose the right platform, the risk is also controllable.

4. The investment threshold is different. The threshold for P2P wealth management is low, but the general investment amount of trust wealth management products is more than 1 million.

5. The direction of funds is different. P2P wealth management funds generally flow to small and medium-sized enterprises or individuals. However, the funds of trust wealth management products will be mainly invested in major projects.

6. The financial management time is different. P2P financial management has a long-term financial management model and a short-term financial management model, so its time is not fixed. However, trust wealth management products are generally one to two years.

What is the difference between financial management and **?

You said the base.

Bai Jin may refer to what people usually refer to as **.

Zhi Investment**.

There is a big difference between l** and DAOP2P, simply put: one is to take the money to the ** company for unified operation, and the other is to invest the money to a specific borrower.

The main differences between the two are: different supervision, different ways of return on investment, different ways of financing, different transparency, different controllable capabilities, different degrees of risk, etc.

Internet money** is mainly used in:

Yu'e Bao is the most representative, from the launch of Yu'e Bao to the present, it has only been a year since the Fengbao version, and it has begun.

The main reason for the fading of the right is that the income is getting smaller and smaller, and now the average income is about 5%; The annual income of P2P wealth management is 8%-20%, which is much higher than that of currency**.

**(Fund) has a wide bai

The distinction between righteousness and narrowness is du, in a broad sense

Say, **zhi refers to a certain amount of return funds set up for a certain purpose. For example, trust investment**, provident fund, insurance**, retirement**, all kinds of **will**. What people usually refer to as ** mainly refers to ** investment **.

There are three main investment analysis methods: basic analysis, technical analysis, and evolutionary analysis, in which fundamental analysis is mainly used in the value judgment and selection of investment objects, and technical analysis and evolutionary analysis are mainly used in the time and space judgment of specific investment operations, as an important supplement to improve the effectiveness and reliability of investment analysis.

The difference between P2P and P2P is that one is to take the money and hand it over to the company for unified operation, and the other is that you invest the money to a specific borrower. Of course, other differences in investment include different regulations, different ways of return on investment, different ways of raising funds, different types of transparency, etc.

Currency ** is simply a group of people to collect money to hand over to the ** company to take care of, most of the funds are used to invest in the special money market, the income is relatively stable, of course, the low risk corresponds to the low return (slightly higher than the bank fixed deposit); P2P, is a personal loan to the individual, is currently a more popular financial direction, because the bank mainly lends more to enterprises, then some investment companies on the micro enterprise and personal loans, the interest rate is also within a reasonable range, and some well-known companies risk control will refer to the bank's mechanism, the State Banking Regulatory Commission will introduce relevant regulatory measures in the second half of the year, it is also a stable investment (provided you find a good platform, such as Beijing's CreditEase, Shanghai Zendai, etc.), and the income ratio** It is also much higher, and the annualized return can reach about 10%.