If the risk tolerance of investors is relatively high, then it is better to choose a fund. If the investor's risk tolerance is relatively low, then it is better to choose a brokerage company to manage money. Generally speaking, the risk of capital is greater than that of wealth management products, and the expected income is also higher than that of wealth management products.

At present, financial management and funds are divided into different types according to investment targets. Wealth management is divided into five risk levels according to the investment target. The risk from small to large is R 1-R5, R 1 belongs to low risk, R2 belongs to low risk, R3 belongs to low risk, R4 belongs to high risk, and R5 belongs to high risk. Investors with low risk tolerance can choose products below R2, while investors with high risk tolerance can choose products above R3.

Funds are divided into money funds, bond funds, hybrid funds, stock funds and index funds according to investment targets. Investors with low risk tolerance can choose money funds and bond funds, while investors with high risk tolerance can choose hybrid funds, stock funds and index funds.