1. The redemption time of stock funds and bond funds is generally 3-7 days. Sometimes, the account balance has been displayed, but there is no available balance, and it is still impossible to get it out. So, be patient. The money fund is much faster, 1-2 working days.

2. China Merchants Bank's settlement account and investment account are separated, so it can only be used by transferring the money from the wealth management (investment) account to the settlement account. The transfer is real-time and there is no handling fee. You can use online banking or counters instead of websites.