Comparison

理财魔方 vs 盈米启明星

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

理财魔方

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
Read full description

理财魔方是全球化智能基金投顾平台。自2014年成立以来,理财魔方以全球资产配置为手段,智能算法为核心,优化风险控制,致力于打造智能、专业、理性的全球化智能基金投顾平台,为投资者提供更好的投资体验。平台成立至今,经历多轮市场波动,累计基金交易超1300 亿。 理财魔方与20+主流基金投顾机构和110+公募基金公司合作,为个人投资者和机构提供全球化视野理财和投资机会,可投资全球超过12个主流国家/地区的42类资产。 借助专业的AI算法,理财魔方已实现基金投顾服务全流程的智能化升级,满足投资者个性化定制、家庭资产配置、风险控制和交易管理,通过全球化资产配置降低单一市场波动影响,让客户拥有更好的投资体验。(算法模型基于历史数据训练,不构成投资建议,投资有风险,过往业绩不代表未来收益。)

About

盈米启明星

Features
Read full description

盈米启明星APP,是盈米基金通过买方投顾团队为个人投资者提供专业基金投顾服务的平台。 【专业投顾,为您提供一站式的投顾服务】 盈米启明星汇聚了40多个专业投顾团队,凭借盈米对用户的深刻理解和多年的行业经验,为投资者提供了集“投、教、顾”一体的、贯穿全生命周期的投资解决方案。“您的信任,我的使命”,在投资道路上,我们将竭力为投资者实现持续的稳健回报。   盈米基金的公募销售保有规模超过1000亿,拥有经营证券期货业务许可证(即公募基金销售牌照)、公募基金投顾试点资质和个人养老金销售机构资质,旗下盈信保险拥有保险经纪牌照。盈米是受客户尊敬的基金&保险行业正规军。   【投顾组合+基金+保险,理财产品丰富】 160+家基金公司8000+只基金、20+个投顾机构400+个投顾组合、40+家保险公司300+款保险产品,为您的资产配置提供丰富的投资标的。   【资金安全可靠】 平安银行是盈米基金三方销售的监督银行,平安银行受盈米基金的委托,对其开立、使用基金销售结算专用账户的行为和基金销售结算资金划转的过程进行监督,确保用户的资金不会被挪用。   您在盈米启明星上购买的基金产品,不仅在盈米启明星中可以查看,申购成功后,您还可以在基金产品管理人的官方渠道或中国证券登记结算有限公司的“E账户”APP查到相应的份额。   【我们的成绩】 2022年7月,盈米基金投顾规模突破300亿元。 盈米基金曾获「2022 · 中国证券报 · 基金投顾机构金牛奖」、「2018、2019、2020、2021、2022 · 中国基金报 · 英华奖」、「2019、2020、2021 、2022 · 毕马威 · 中国金融科技50企业」、「2022 · 钛媒体 · 金融科技创新企业」等诸多行业荣誉。    产品或策略的历史业绩不预示其未来表现,市场有风险,投资需谨慎。

Screenshots

理财魔方4 screens
盈米启明星4 screens

Verdict

The call

The clearest difference is update cadence: 理财魔方 at weekly against 盈米启明星's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

理财魔方 ships an update weekly, 盈米启明星 every 2 months. The most recent releases landed on September 17, 2026 and September 9, 2026 respectively.

Scorecard1 real difference · 9 level
理财魔方 versus 盈米启明星: the parameters behind the verdict, then further details
Parameter理财魔方盈米启明星
PriceFreeFree
Rating5.0 (8 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings8 — better—
Update frequencyWeekly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.0 — better12.0
Further details — not scored
Size129 MB36 MB
Age rating4+4+
Developer玄元保险代理有限公司Yingmi

In-app purchases

None

理财魔方

No in-app purchases

None

盈米启明星

No in-app purchases

Questions

Is 理财魔方 free?
理财魔方 is free to download, with no in-app purchases.
Is 盈米启明星 free?
盈米启明星 is free to download, with no in-app purchases.
Do 理财魔方 or 盈米启明星 have ads?
Neither 理财魔方 nor 盈米启明星 shows ads.
Which is updated more often, 理财魔方 or 盈米启明星?
理财魔方 ships an update weekly, and 盈米启明星 every 2 months. Most recently, 理财魔方 was updated on September 17, 2026 and 盈米启明星 on September 9, 2026.

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