The redemption rules of current assets issued by different banks are slightly different, but most of them support redemption at any time. Take the wealth management products issued by a joint-stock bank as an example. 24-hour support for exchange. Redeem 50,000 yuan in real time during non-trading hours, and the amount of real-time redemption during trading hours is not limited. Banks set different trading hours for current wealth management products than money funds. The closing time of the money fund transaction is 15:00, while the trading time of the bank's current wealth management products will be extended on the basis of 15:00 for about 15-60 minutes, depending on the bank's regulations, with slight differences among banks.

2. Consumer payment.

Some banks' current wealth management products, such as money funds such as Yu 'ebao, support consumer payment, which is another form of redemption. For example, the balance in the bank's current wealth management products can be directly used for payment scenarios such as ATM withdrawal, WeChat payment, Alipay payment and POS card swiping. For example, the investor's bank account balance is 1000 yuan, while the current wealth management account has 200 million yuan. If an investor wants to pay an order of 2000 yuan with this bank account, the system will automatically redeem 1000 yuan from the fixed wealth management account for direct payment, and there is no trading restriction during trading hours. It should be noted that not all banks support consumer payment demand financing, which is subject to the product information released by the bank. In addition, on the day of product redemption, no income is calculated.

1, the investment period of bank wealth management products ranges from several months to several years. After the general product expires, the funds will automatically return to the investor's account within a certain period of time, and investors do not need to redeem or sell it manually. Bank wealth management products can be roughly divided into two categories: closed wealth management products and open wealth management products. The redemption time of different product types is slightly different, generally about 2 working days, depending on how the product contract is agreed.

2. Internet wealth management products are similar to banks due to redemption methods. Taking Alipay's fixed and open pension monitoring and management products as an example, there are two options for product redemption at maturity:

Method 1: Redeem after maturity. The wealth management funds will be automatically transferred to Alipay balance account or Yu 'ebao within 1 trading days after the product expires, and investors do not need to redeem it manually.

Method 2: automatic renewal. After the product expires, the funds will be automatically transferred to the next financing cycle.

3. During the product holding period, investors can freely change the redemption method at maturity, and the operation and modification before the day before the expiration 15:00 are valid. To sum up, if investors don't set up automatic renewal, the funds will automatically arrive after the financial management expires, so don't worry about the problem that they can't be redeemed at maturity.