# 简理财VIP vs 挖财基米

The clearest difference is ads: 挖财基米 at none against 简理财VIP's shown. 简理财VIP's advantage is iOS requirement (9.0 vs 15.6). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

简理财VIP ships an update every 2 months, 挖财基米 every 3 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | 简理财VIP | 挖财基米 |
| --- | --- | --- |
| 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 | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Ad-supported | — |
| Size | 48 MB | 20 MB |
| Requires iOS | **9.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Beijing to Gold Investment Fund Management Co., Ltd.](https://appshunter.io/developer/987830666) | [上海挖财基金销售有限公司](https://appshunter.io/developer/1290764729) |

## What reviewers say

### 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


### 挖财基米

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

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 简理财VIP free?

简理财VIP is free to download, with no in-app purchases.

### Is 挖财基米 free?

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

### Do 简理财VIP or 挖财基米 have ads?

简理财VIP shows ads; 挖财基米 does not.

### Which is updated more often, 简理财VIP or 挖财基米?

简理财VIP ships an update every 2 months, and 挖财基米 every 3 months. Most recently, 简理财VIP was updated on October 24, 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.*