The fund account is related to individuals, so if you buy a fund with a bank card, the money is in the bank card fund account, which can be checked in the mobile banking or the bank's intelligent teller machine. If it is a fund purchased with Alipay or WeChat, the money is still in Alipay and WeChat, but after buying the fund, the money has been transferred to the fund account, so only after selling the fund can the money return to Alipay or WeChat.

In addition, the fund has time to confirm the share. Generally, the fund is purchased on the same day, and the share is confirmed at T+ 1. During this period, the funds will first be collected into the special account for fund sales settlement opened by the sales platform supervision bank, and then transferred to the special account of the fund company's custodian bank after the share is confirmed.

Whether the fund can be withdrawn at any time mainly depends on the terms of the fund products purchased by investors. For example, some fund products can be withdrawn at any time, and some fund products can't be redeemed until a fixed opening period, so that the money can be taken out.