# 时光智投 vs 挖财基米

The clearest difference is in-app purchases: 挖财基米 at none against 时光智投's 7. 时光智投's advantage is update cadence (monthly vs every 3 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. 时光智投 sells 7 one-off in-app purchases. 挖财基米 asks for nothing beyond the download.

时光智投 ships an update monthly, 挖财基米 every 3 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | 时光智投 | 挖财基米 |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Size | 58 MB | 20 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Guanyuandaxin Finace Inc.](https://appshunter.io/developer/1166471490) | [上海挖财基金销售有限公司](https://appshunter.io/developer/1290764729) |

## 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 |


### 挖财基米

[App page](https://appshunter.io/ios/app/id1290764730)

**Features:** Vision Pro support

**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 挖财基米 free?

挖财基米 is free to download, with no in-app purchases.

### Do 时光智投 or 挖财基米 have ads?

Neither 时光智投 nor 挖财基米 shows ads.

### Which is updated more often, 时光智投 or 挖财基米?

时光智投 ships an update monthly, and 挖财基米 every 3 months. Most recently, 时光智投 was updated on October 23, 2026 and 挖财基米 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.*