Most wealth management products have a fixed term and cannot be redeemed in advance. A few wealth management products can be redeemed in advance. If you buy a money fund, you can buy and sell it at any time and redeem it in advance. Regular wealth management products can only be redeemed when they expire. If the user wants to withdraw cash in the middle, he can only transfer money. Open-ended wealth management products are highly liquid and can be redeemed in advance, but a certain handling fee may be required.

For a long time, buying bank wealth management products means that funds should be "frozen" within a certain period of time. No matter what unexpected financial situation occurs, closed products cannot be redeemed in advance. Every product has a certain redemption period, and early redemption does not mean redemption at any time. Early redemption of wealth management products suggests that investors should seriously consider liquidity issues, such as whether they have the right to redeem wealth management products in advance after purchasing them.

Provisions on the redemption of financial appointments:

You can make an appointment to redeem wealth management products through mobile banking, personal online banking or any business outlets.

1. Closed-end profit-increasing series financing: it cannot be redeemed in advance.

2. Open a series of financial management: If the investment model you choose is "holding a cycle",

There is no need for manual redemption, and the wealth management will be automatically redeemed after the first investment. If the investment mode you choose is "continuous investment", you can go through the redemption procedures before the next open day, and the principal and income of wealth management will be received on the next open day (working day).

3. Financial management with increasing income on the same day: the non-trading time of the system is 0:00-9:00 every day. No redemption transactions can be made during this period. At other times, you can operate the agreed redemption. If the redemption application is initiated on T day, the funds will be received on T+ 1 (working day), and you will still enjoy the investment income on T day.

4. Gold:

(1) can be redeemed in real time at 5:00- 15:30 Beijing time on the legal working day, and your financial principal and undistributed financial income can be credited at one time. If you initiate real-time full redemption on the fixed release date (monthly 16 is the fixed release date), the bank will release the wealth management principal to you immediately after the confirmation is successful, and the undistributed wealth management income will be released to you on the fixed release date;

(2) It can be agreed that the redemption will be made between the statutory holidays and statutory working days 15: 30 Beijing time and 5:00 the next working day, and the principal and income will be credited in one lump sum before 9: 00 the next working day. If full redemption is agreed, the latest working day is the fixed release date (monthly 16 is the fixed release date). After the bank confirms the success, the principal will be credited before 9: 00 on the fixed payment date. Record the fixed distribution of undistributed wealth management income at the end of the day.