Comparison

时光智投 vs 简理财VIP

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

时光智投

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新一代的投资交易利器!精心打造行业内标杆式基金购买软件,为用户提供一站式的基金投资服务。 【基金购买】 国内最全的基金代销平台,汇集市场上4000多只各类基金产品,手机直购享受最低1折手续费折扣,市面最低。 【基金组合】 全新投资品种,一键配置跨类资产,为您甄选优质基金,风险低收益高。稳健组合回撤小于5%,年收益8%;激进组合回撤小于15%,年收益34%。 【基金黑科技】 快盈宝随存随取,天天有收益,闪电赎回最快5秒到账,超级转化可实现基金跨基金公司转换,方便快捷调仓。 【功能亮点】 1、基金交易:业内基金品种全覆盖,产品超4000只,费用低,交易快,操作简便; 2、超级转换:赎回基金后,可直接转入其他基金公司旗下的基金产品,T+1日快速确认,追赶高收益,赚钱不间断 3、快速赎回:基金赎回时,T+1日极速到账快盈宝,相比行业平均T+3日以上到账时间缩短至少2天; 4、自选基金:各类基金按收益排序,净值、估值、费率、持仓等信息一目了然; 5、基金评论:每只基金产品下面都有社区评论功能,方便用户交流心得,参考别人经验选购基金。 【安全保障】 淘金者基金是广源达信旗下基金销售平台,北京广源达信基金销售有限公司为证监会颁发牌照的基金销售机构,资金全程银行监管,同卡进出,安全有保障! 监管机构: 中国证券监督管理委员会 监管银行 中国民生银行 自律机构 中国证券投资基金业协会 有任何问题,请通过以下方式联系我们,您的疑问,我们的责任。 客服电话:400-616-7531

About

简理财VIP

This app offers a premium membership for enhanced investment experiences and expanded wealth options. It provides "smart" investment tools and multiple valuable services to facilitate a smoother investment journey. Explore new features and investment products designed for better financial management.

Highlights
  • VIP membership for exclusive services
  • Smart investment tools
  • Low-risk fund portfolio
  • Stock fund portfolio for market outperformance
  • Enhanced investment experience
  • Expanded wealth options
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简理财升级啦!特推出VIP会员尊享身份只为更好的服务于您,这也将为您带来更好的投资体验和更多的财富选择! 【VIP会员服务】 开启你的”智慧“投资 多重超值服务,让投资更加从容!想了解更多新功能,可关注简理财/拾年宝服务中心查看~ 【明星产品】 一、拾年宝:与持牌机构奕丰金融基金合作的低风险基金组合 二、满仓宝:致力于在长期持有的过程中跑赢大盘,从股市中获利的股基组合 【关于我们】 官方微信公众号:jianlicai888 官方客服电话:010-64196199 如果您喜欢简理财,请在应用商店留下您的小星星和评论,您的支持是我们进步的动力!

Screenshots

时光智投4 screens
简理财VIP4 screens

Verdict

The call

The clearest difference is in-app purchases: 简理财VIP at none against 时光智投's 7. 简理财VIP also leads on iOS requirement (9.0 vs 14.0). 时光智投's advantage is ads (none vs shown) and update cadence (monthly vs every 2 months). On price and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 时光智投 sells 7 one-off in-app purchases. 简理财VIP asks for nothing beyond the download.

UpkeepUpdate frequency

时光智投 ships an update monthly, 简理财VIP every 2 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
时光智投 versus 简理财VIP: the parameters behind the verdict, then further details
Parameter时光智投简理财VIP
PriceFreeFree
Rating—5.0 (21 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—21 — better
Update frequencyMonthly — betterEvery 2 months
AdsNo — betterYes
In-app purchasesYesNo — better
Monetization—Ad-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.09.0 — better
Further details — not scored
Size58 MB48 MB
Age rating9+4+
DeveloperGuanyuandaxin Finace Inc.Beijing to Gold Investment Fund Management Co., Ltd.

In-app purchases

7 purchases

时光智投

One-time7
  • 小白理财训练营$0.99
  • 可转债打新课$74.99
  • 港股打新实战训练营$89.99
Show 4 more
  • 开源赚钱课$129.99
  • 保险实战训练营$149.99
  • 基金实操训练营$199.99
  • 股票实操训练营$199.99
None

简理财VIP

No in-app purchases

Questions

Is 时光智投 free?
时光智投 is free to download, with in-app purchases available.
Is 简理财VIP free?
简理财VIP is free to download, with no in-app purchases.
Do 时光智投 or 简理财VIP have ads?
简理财VIP shows ads; 时光智投 does not.
Which is updated more often, 时光智投 or 简理财VIP?
时光智投 ships an update monthly, and 简理财VIP every 2 months. Most recently, 时光智投 was updated on October 23, 2026 and 简理财VIP on October 24, 2026.

Other comparisons