# 观点 vs 掘金智研

The clearest difference is in-app purchases: 观点 at none against 掘金智研's 5. 掘金智研's advantage is device support (3 vs 1). On price, update cadence, ads and iOS requirement there is nothing between them.

Both are free to download. 掘金智研 sells 5 in-app purchases, starting at $1.49 per month. 观点 asks for nothing beyond the download.

观点 ships an update every 3 weeks, 掘金智研 every 2 weeks. The most recent releases landed on October 24, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | 观点 | 掘金智研 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ai/id1603270809/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | — | Freemium |
| Size | 12 MB | 12 MB |
| Requires iOS | 17.6 | **16** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [观点地产新媒体](https://appshunter.io/developer/1197934502) | [仕通 谷](https://appshunter.io/developer/1602039531) |

## What reviewers say

### 观点

[App page](https://appshunter.io/ios/app/id1197934503)

**Features:** macOS Compatibility

**In-app purchases:** none


### 掘金智研

[App page](https://appshunter.io/ios/app/ai/id1603270809)

Get instant, AI-powered investment analysis from financial reports and company filings. Ask questions in natural language and receive concise answers with supporting data. Stay updated on your favorite companies and industries with automated tracking.

**Highlights:** AI-powered research Q&A, Natural language search, Automated report summarization, Structured investment reports, Continuous tracking of companies/industries, Core conclusion with data support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 研报标准会员 - 连续包月 | $1.49 | per month |
| 研报标准会员 - 连续包月 | $3.99 | per month |
| 研报标准会员 - 连续包季 | $4.49 | per 3 months |
| 研报标准会员 - 连续包年 | $13.99 | per year |
| 研报标准会员 - 连续包年 | $29.99 | per year |


## Frequently asked questions

### Is 观点 free?

观点 is free to download, with no in-app purchases.

### Is 掘金智研 free?

掘金智研 is free to download, with in-app purchases available.

### Do 观点 or 掘金智研 have ads?

Neither 观点 nor 掘金智研 shows ads.

### Which is updated more often, 观点 or 掘金智研?

观点 ships an update every 3 weeks, and 掘金智研 every 2 weeks. Most recently, 观点 was updated on October 24, 2026 and 掘金智研 on September 23, 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.*