First of all, look at your needs: "In the process of investment, when I need money especially, I am worried that I will redeem the fund." In this paper, two problems are identified: 1. You can take it out at any time, so you can only invest in low risk 2. If you need money at any time, redeem it quickly.

The problem with front-end and back-end charges is that subscription fees are paid in different periods. The front end is paid at the time of subscription and the back end is paid at the time of redemption. The back end is suitable for long-term investment.

The front-end subscription fee method is simply to calculate the subscription fee once for each subscription, and then deduct this part of the fee from your principal before calculating your share.

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

Low-risk investment also suits you. Even bond funds are at risk of short-term decline. If you need money at this time, you will lose.

So according to your current situation, it is suitable to buy a money fund.

The Monetary Fund recommends Huaxia Cash, Changxin Interest A and Guangfa Currency A, all of which are good choices.