Not yet. You can't apply for redemption until the regular open day after the collection period. If you are not in a hurry to spend money, it is not a bad thing to hold it.

According to the past situation, the performance of bond funds can basically reach the income level of 8%. But it's hard to say this year and next year, but if there is not enough funds in the market and the benchmark interest rate has not been adjusted, it should still be able to maintain 8 points of income. The income of fixed investment is slightly better than that of open investment, much higher than that of fixed-term banks, and the probability of losing money is quite small. It is not bad for the elderly to invest in this.