There are money funds and fixed investment funds in China. There will be a time limit for this kind of savings fund, just like if the savings fund is 18 months or 24 months, as long as the user pays enough for a time limit, he can choose not to save money. If users choose to continue saving money, they need to continue to invest for 18 months or 24 months.

: a savings fund is a fixed investment fund, which means that the investor agrees on the deduction time, amount and method of each period in the relevant sales organization, and the sales organization will automatically complete the deduction and fund subscription from the bank account designated by the investor on the agreed deduction date.

Resources: What is a savings fund?