# 众禄基金 vs 时光智投

The clearest difference is in-app purchases: 众禄基金 at none against 时光智投's 7. 众禄基金 also leads on iOS requirement (9.0 vs 12.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. 时光智投 sells 7 one-off in-app purchases. 众禄基金 asks for nothing beyond the download.

众禄基金 ships an update every 3 weeks, 时光智投 monthly. The most recent releases landed on September 15, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | 众禄基金 | 时光智投 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | — |
| Size | 98 MB | 70 MB |
| Requires iOS | **9.0** | 12.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 9+ |
| Developer | [深圳众禄基金销售有限公司](https://appshunter.io/developer/906635384) | [Guanyuandaxin Finace Inc.](https://appshunter.io/developer/1166471490) |

## What reviewers say

### 众禄基金

[App page](https://appshunter.io/ios/app/22/id906635381)

This platform offers a comprehensive suite of financial services, including access to a vast public fund supermarket, personalized fund portfolio construction, and customized high-end FOF products. It provides professional financial products, services, and solutions for individual and institutional investors, backed by extensive research and practical experience.

**Highlights:** Public fund supermarket with over 7000 funds, Fund portfolio construction for various risk levels, Customized high-end FOF products for high-net-worth clients, Cash management with 24/7 withdrawal, Professional financial content and market analysis, Asset allocation research and services

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

**In-app purchases:** none


### 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 |


## Frequently asked questions

### Is 众禄基金 free?

众禄基金 is free to download, with no in-app purchases.

### Is 时光智投 free?

时光智投 is free to download, with in-app purchases available.

### Do 众禄基金 or 时光智投 have ads?

Neither 众禄基金 nor 时光智投 shows ads.

### Which is updated more often, 众禄基金 or 时光智投?

众禄基金 ships an update every 3 weeks, and 时光智投 monthly. Most recently, 众禄基金 was updated on September 15, 2026 and 时光智投 on September 18, 2026.

---

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