理财就是买基金吗？投资和理财有什么区别？

Core Insights - The article discusses the differences between speculation, investment, and financial management, emphasizing that each has distinct goals and methods [2][3][4] Group 1: Speculation - Speculation focuses on rapid wealth growth through price fluctuations, with investors primarily concerned about market sentiment and technical analysis rather than the intrinsic value of the assets [2] - It is characterized by high risk and potential high returns, requiring strong psychological resilience and luck [2] Group 2: Investment - Investment aims at preserving and increasing existing wealth, with a long-term perspective on the intrinsic value of assets [2] - Investors analyze a company's business model and financial reports, holding stocks for years to benefit from the company's growth [2] Group 3: Financial Management - Financial management is a broader concept that involves planning for life goals, such as saving for a house or retirement, rather than merely purchasing financial products [3] - It includes budgeting, controlling unnecessary expenses, and strategically allocating savings into various financial products [3] Group 4: Financial Products - Financial management can refer to both a general planning framework and specific financial products offered by banks, which are tools for achieving financial goals [4] - Stocks are direct investments with high risk and potential returns, while funds allow for diversified investments managed by professionals [4][5] Group 5: Bank Wealth Management Products - Bank wealth management products invest in assets similar to funds, including deposits, bonds, and stocks, but historically offered guaranteed returns [5][6] - Recent regulatory changes have shifted these products towards a net asset value model, aligning them more closely with funds, although the term "bank wealth management" remains in use [6]