The funds deposited in the bank cannot be taken out before maturity, and the death period of the deposit generally means that there are expired funds that cannot be taken out. If there is a closed-end fund, it can only be withdrawn after it expires, and it can't be withdrawn without expiration, because there is no redemption page. If it is an open-end fund, it can be redeemed at any time.
Therefore, when buying a fund, we should consider the liquidity of the fund. If it is a long-term unused fund, closed-end funds can be given priority. However, when choosing the term, you should choose according to your own situation, and the longer the money can be saved, the better.
Secondly, it should be noted that when the fund is closed, it cannot be redeemed and bought, that is, it cannot be traded. Therefore, in the case of a bad fund market, investors can only watch their money drain bit by bit, and there is no way to redeem it, so choose the fund carefully.
If you choose a bad fund, you may suffer heavy losses, so when you choose, you must choose a good fund to hold for a long time. Secondly, the risk and profitability of the fund should be considered. Generally, funds with high returns will be more risky and should be cautious.
If you need your own funds in the short term, then close-end funds are not recommended, and open-end funds are recommended, because the liquidity of open-end funds in banks is relatively better.
Generally, it will be redeemed at t+ 1 For example, it will be redeemed before Monday 15:00 and will arrive on Tuesday. However, it should be noted that there will be delays on weekends and holidays, so when you need funds, you need to withdraw them a few days in advance.
In addition, open-end funds can be taken out at any time, and the fund market can be operated if it is not good. If you take it out in time, you can avoid losing money all the time. However, some investors always like to operate funds. When the fund goes up, they are optimistic about the fund. When the fund fell, they were not optimistic about the fund. They always buy at a high level and sell at a low level. Such frequent operations can be disastrous.