You can choose to buy a fund according to your own situation. You don't have to buy a fixed-term fund. Generally, a fixed-term fund can only be redeemed after it expires, so the flexibility is not very good. If you want to buy a fund with good flexibility, you can choose a fund that is not fixed-term.

The flexibility of general money funds is relatively good. Basically, they can be paid in T+1, such as Yu 'ebao and Coin Pass, which can be taken out and deposited at any time, and can also be directly used for consumption. They are essentially a kind of money fund.