Be sure to read the lock-up period carefully when doing regular wealth management. The interest rate differences between 7 days, 30 days, and 90 days are significant, but once you lock it, you can’t withdraw early in the middle. The first time, I didn’t read the period carefully and locked for 90 days. Even when the market moved a lot in the meantime, I couldn’t access my funds. Later I learned my lesson: if you’re not sure about the market, choose a short-term option.

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