# 简理财VIP vs 天相财富

The clearest difference is in-app purchases: 简理财VIP at none against 天相财富's 1. 简理财VIP also leads on iOS requirement (9.0 vs 13.0). 天相财富'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. 天相财富 sells 1 one-off in-app purchase. 简理财VIP asks for nothing beyond the download.

简理财VIP ships an update every 2 months, 天相财富 monthly. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | 简理财VIP | 天相财富 |
| --- | --- | --- |
| 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** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Ad-supported | — |
| Size | 48 MB | 56 MB |
| Requires iOS | **9.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Beijing to Gold Investment Fund Management Co., Ltd.](https://appshunter.io/developer/987830666) | [北京天相财富管理顾问有限公司](https://appshunter.io/developer/1570190906) |

## 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


### 天相财富

[App page](https://appshunter.io/ios/app/app/id1570190904)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 慧点金-月版 | $89.99 | one-time |


## Frequently asked questions

### Is 简理财VIP free?

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

### Is 天相财富 free?

天相财富 is free to download, with in-app purchases available.

### Do 简理财VIP or 天相财富 have ads?

简理财VIP shows ads; 天相财富 does not.

### Which is updated more often, 简理财VIP or 天相财富?

简理财VIP ships an update every 2 months, and 天相财富 monthly. Most recently, 简理财VIP was updated on November 2, 2026 and 天相财富 on November 7, 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.*