It depends on which fund you decide to invest in. The redemption rate of some funds is 0.5% for less than one year, 0.25% for less than one year and two years, and 0 for more than two years. However, some funds have a redemption fee of 0.5% regardless of the holding time; Some funds have been held for one year but less than two years, and the redemption fee is 0.35%. The redemption fee for two years and less than three years is 0.2%, and there is no handling fee for redemption for more than three years.

If the fund you decide to invest in belongs to the first situation I mentioned, it will be redeemed in the third year of the first year and held for two years without redemption fee, while if you decide to invest in the second year, the redemption fee in the third year will be 0.25%, which is less than two years; If it is not redeemed, the fixed investment will be stopped or cancelled in the third year, and no additional handling fee will be charged;