there is no need to offer a reward.

First of all, look at your needs: "I am worried that I will redeem the fund when I need money especially during the investment process", which determines two problems. You can take it out at any time, so you can only invest in low-risk 2. If you need money at any time, you should redeem it quickly.

the issue of front-end and back-end charges is that the subscription fee is paid at different times. The front-end pays the subscription fee at the time of subscription and the back-end pays the subscription fee at the time of redemption. The back end is suitable for long-term investment.

The front-end subscription fee method simply means that every time you subscribe, you will calculate the subscription fee once, and then calculate your share after deducting this fee from your principal.

In your case, I can only recommend you to choose a monetary fund. First of all, 1. Risk-free 2.

Low-risk investment is also suitable for you. Even bond funds will have the risk of short-term decline. If you want to use money at this time, you will lose money.

so according to your current situation, it is suitable to buy monetary funds.

currency funds recommend Huaxia cash, changxin interest a and guangfa currency a, which are all good choices.