1, the withdrawal rate of the fund.

Once the fund is listed and started to operate, the net value of the fund will change with the fluctuation of the market, which means that the net value will change. If the market is good, then the net value will continue to rise, which means positive growth and profit; But if the market is not good, the net value of the fund will continue to fall. At this time, in order to avoid greater deductions, the fund manager will retreat. The greater the retreat, the greater the loss. Therefore, after the fund goes public, the fluctuation of the net value is determined by the market situation, and the fluctuation of the bank to the fund is uncontrollable.

2. Redemption time.

Newly established funds generally have a closed period, during which the fund cannot be redeemed. When you buy a fund, this clause will also clearly inform you. If the market is not good after the fund is listed, the net value of the fund will continue to fall, and the fund is still in a closed period, so it cannot be redeemed, and the bank wealth management products also have a closed period, so it is normal that it cannot be redeemed during this closed period.

3, the difference between funds and bank wealth management products.

The biggest difference between fund and bank financing is that the net value of the fund will win and lose with market fluctuations, so the risk will be relatively large, which is suitable for people with a certain financial foundation to choose; Bank financing is a conservative financial product. Although some products will lose money, the amount of loss is generally not too large and the risk is low.

Therefore, before purchasing wealth management products, you must choose according to your risk tolerance. Funds and bank wealth management products will have a certain closed period. During the closed period, even if its net value is declining, it cannot be redeemed. However, the risk of bank wealth management products is relatively low, and generally there will be no big losses, which is suitable for conservative people to choose, while funds are risky and suitable for people with a certain financial foundation to invest.