The fixed investment treasure can not be redeemed until it expires. The operating period of general financial management funds is 7 days, 14 days, 28 days, 30 days, 60 days, 90 days and so on. Financial management funds have an operating period and cannot be redeemed before the expiration of the operating period.

Compared with the way of redemption of bank wealth management products, if the wealth management funds purchased through the term treasure are not redeemed at maturity, the user's principal and interest will automatically become the share of wealth management funds and be rolled over to the next period for investment, so there will be no income blank period similar to that of bank wealth management products. In addition, the wealth management funds purchased by recharging the fixed-term treasure mainly invest in the money market, and there are also gains on holidays.