With the continuous improvement of people's daily life quality, the pace of work and life is further accelerated. In investment and financial management, in addition to pursuing stable income, convenience and creating time value have attracted more and more attention from investors. As the saying goes, time is money and speed is efficiency. This sentence also applies to people's investment and financial management. As an expert financial product, the main purpose of fund is to save more time for asset allocation when people buy. Realize vested interests through expert financial management. However, when people actually buy funds, they only have the consciousness of time management, but they lack the methods of time management. It is mainly manifested in the lack of proper time concept in the purchase time of fund products and fund portfolios, and the inability to skillfully play the "time difference", thus missing more opportunities to obtain income.

First of all, the "time difference" between the subscription period and the subscription period. According to the general characteristics of open-end funds, the subscription period is generally one month, while the open-end period takes three months. From subscription to redemption, investors need to face an investment time span, which gives investors an arbitrage "time difference" when choosing subscription and redemption. Therefore, for investors with risk preference, as long as they master the characteristics of the new fund's opening period, they can get a lot of income from the fund's opening period.

Secondly, the "time difference" between front-end charges and back-end charges. The front-end charge refers to the subscription fee charged when the fund is issued, and the back-end charge refers to a charging method of paying the subscription fee when the fund is redeemed during the closed period. In order to encourage fund holders to hold funds for a longer period of time and enhance the loyalty of fund holders, various management companies have set a certain flexible rate for the back-end expenses of funds. That is, the longer the fund holder holds the fund, the lower the back-end fee will be. For the small amount of funds, they can't enjoy the preferential rate of large funds during the subscription period, and may choose to pay back-end fees for long-term value investment.