Because the closure period is one year, it can be redeemed at the end of the period. The fixed investment of postal savings fund itself is a kind of fund investment, and it will inevitably face various risks in the process of investment and operation. The fixed investment of the Postal Savings Fund also faces market risks. The risk of investing in stock funds mainly comes from the rise and fall of the stock market, and the risk of investing in bond funds mainly comes from the fluctuation of the bond market. If the stock market plummets as it did in 2008, even if the fund decides to invest, the market value account will inevitably plummet temporarily. Liquidity risk of postal savings fund investors. Historical data at home and abroad show that the longer the investment cycle, the less likely the loss is. If the fixed investment is more than 10 years, the loss probability is close to zero. However, if investors lack financial planning for the future, especially underestimate the future cash demand, once the cash flow is tight in the downturn of the stock market, they may be forced to interrupt the fixed investment of the fund and suffer losses.