At present, it takes t+4 to redeem stocks, bonds and allocation funds through bank channels, which means at least 4 working days, while the redemption time of money market funds is t+2. It is suggested to avoid buying and redeeming before holidays as much as possible. The fund's time in transit is calculated on working days, and the time in transit is not calculated on legal holidays. For example, the money fund is redeemed on the last trading day before the Golden Week, and the money can only be received on the second working day after the seven-day holiday, which is the virtual T+8; If the purchase is made on the last trading day before the Golden Week, the transaction will not be completed until after the holiday. During the Golden Week, there is neither deposit interest nor money fund wealth management income.