# 理财魔方 vs 现金宝

The clearest difference is review sentiment: 理财魔方 at 100% against 现金宝's 0%. 理财魔方 also leads on rating (4.9 vs 1.7) and update cadence (weekly vs every 3 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

理财魔方 holds the better App Store score, 4.9 against 1.7. Both are backed by a comparable volume of ratings — 9 and 7 respectively. Written reviews point the same way: 100% of 理财魔方's written reviews are positive against 0% of 现金宝's.

理财魔方 ships an update weekly, 现金宝 every 3 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | 理财魔方 | 现金宝 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (9 ratings)](https://appshunter.io/ios/app/app/id975987023/reviews)** | [1.7 (7 ratings)](https://appshunter.io/ios/app/id1061838086/reviews) |
| Number of ratings | **9** | 7 |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 121 MB | 162 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [玄元保险代理有限公司](https://appshunter.io/developer/1114702180) | [汇添富基金销售(上海)有限公司](https://appshunter.io/developer/1893859463) |

## What reviewers say

### 理财魔方

[App page](https://appshunter.io/ios/app/app/id975987023)

This platform offers intelligent investment advisory services for global funds. It utilizes AI algorithms and global asset allocation to optimize risk control and provide a professional, rational investment experience. It partners with numerous financial institutions and fund companies to offer diverse investment opportunities.

**Highlights:** Global asset allocation, AI-powered investment algorithms, Risk control optimization, Personalized investment customization, Family asset management, Intelligent trading management

**Features:** Vision Pro support

**In-app purchases:** none


### 现金宝

[App page](https://appshunter.io/ios/app/id1061838086)

This platform offers a wide range of investment funds, including money market, bond, index, and equity funds. It provides competitive fees and market insights to help users make informed investment decisions. The service is backed by a reputable asset management company with numerous industry awards.

**Highlights:** Diverse fund selection, Competitive purchase fees, Market news and analysis, Investment companionship services, Backed by award-winning company

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

**In-app purchases:** none


## Frequently asked questions

### Is 理财魔方 free?

理财魔方 is free to download, with no in-app purchases.

### Is 现金宝 free?

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

### Which has better reviews, 理财魔方 or 现金宝?

理财魔方 is rated higher. 理财魔方 averages 4.9 out of 5 from 9 ratings, while 现金宝 averages 1.7 from 7 ratings.

### Do 理财魔方 or 现金宝 have ads?

Neither 理财魔方 nor 现金宝 shows ads.

### Which is updated more often, 理财魔方 or 现金宝?

理财魔方 ships an update weekly, and 现金宝 every 3 weeks. Most recently, 理财魔方 was updated on October 24, 2026 and 现金宝 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.*