# 时光智投 vs 简理财VIP

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.

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.

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.

## The numbers

| Metric | 时光智投 | 简理财VIP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (21 ratings)](https://appshunter.io/ios/app/vip/id1214179408/reviews)** |
| Number of ratings | — | **21** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | — | Ad-supported |
| Size | 58 MB | 48 MB |
| Requires iOS | 14.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Guanyuandaxin Finace Inc.](https://appshunter.io/developer/1166471490) | [Beijing to Gold Investment Fund Management Co., Ltd.](https://appshunter.io/developer/987830666) |

## What reviewers say

### 时光智投

[App page](https://appshunter.io/ios/app/id1166471491)

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 小白理财训练营 | $0.99 | one-time |
| 可转债打新课 | $74.99 | one-time |
| 港股打新实战训练营 | $89.99 | one-time |
| 开源赚钱课 | $129.99 | one-time |
| 保险实战训练营 | $149.99 | one-time |
| 基金实操训练营 | $199.99 | one-time |
| 股票实操训练营 | $199.99 | one-time |


### 简理财VIP

[App page](https://appshunter.io/ios/app/vip/id1214179408)

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

**In-app purchases:** none


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*