First, specific differences.
Income level: closed-end wealth management products have relatively high income, while open-end wealth management products have relatively low income. Redemption problem: open financial management, you can purchase and redeem at the specified time every working day, provided that there is a quota. The interest period of closed-end financial management has not expired and cannot be redeemed. Semi-closed financial management can be purchased and redeemed weekly or monthly working days. Liquidity of funds: the liquidity of open-end wealth management funds is relatively good, while the liquidity of closed-end wealth management funds is relatively poor.
Second, open financial management.
Open financial management is more flexible and can be realized at any time. Open-ended financial management will set a redemption date within the time limit, and redemption applications can be submitted on the redemption date; Closed-end financial management can only be redeemed when it expires; Open financial management is suitable for investors with flexible use of funds. Closed-end financial management does not require much operation compared with more stable investors. The income gap between open financing and closed financing may not be very big, but it depends on the investors themselves and product types.
Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
1, financial management
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management. "Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only a foreign investment and financial management, but also a kind of financial management. If you don't know how to be invested, you don't know how to invest better. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life.
2. Financial impact
It contains the following meanings: ① Financial management is a lifetime wealth, not just to solve the problem of urgent need of money. 2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money. ③ Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk). At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products. Financial management of securities companies generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences. Investment company financial management Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. It needs high start-up capital and is suitable for high-end financial people.