No, the difference between funds and time deposits:

1. Risk: Fund fixed investment investments are open-end funds, which have certain risks; time deposits are basically risk-free.

2. Income: The income from fixed investment in the fund is uncertain and may result in losses; while the interest rate of time deposits remains unchanged.

3. Withdrawal: Fund fixed investment can be redeemed at any time based on profitability, while time deposits will lose interest when withdrawn before maturity.

4. Rates: Fund fixed investment will charge subscription rates and fund management rates; time deposits will not incur any handling fees.