What should I do if I need money urgently before the financial management expires?

If the financial management has not expired, but the money is urgently needed, you can choose to transfer or pledge the loan. Generally speaking, most financial management cannot be withdrawn in advance before maturity. For example, closed-end funds cannot be withdrawn during the closed period. There are also a few non-open wealth management products that can be taken out in advance, but some income and principal will be lost.

Different wealth management products can be retrieved in different ways. If investors buy closed-end fund wealth management products, they can't get them back. Similarly, if investors do not buy closed-end wealth management products, but the contract signed at the time of purchase clearly States that they cannot get them back in advance, they can get them back in advance. If there is a statement in the contract, investors can go to the purchase outlets of wealth management products.

Extended data:

I. Handling process of pledged loans:

First of all, the borrower applies to the lender for the pledge loan of wealth management products, fills in and submits the Application Form for Personal Pledged Loan, and provides the personal current deposit account in my name as the loan collection account. After receiving the relevant materials, the bank conducts investigation and review, and approves the eligible collateral. Both parties sign and fill in the Individual Pledged Loan Contract and other agreement documents to issue loans. The borrower repays all the principal and interest of the loan according to the agreed repayment method, and goes through the loan settlement procedures after the loan is settled.

The two parties to the loan need to clearly stipulate the commitment of good faith, the purpose of loan funds, the object (scope) of payment, the amount of payment, the payment conditions, the payment methods, etc. The loan amount, loan term, loan interest rate and repayment method shall be consistent with the loan finally approved.

Second, some investment and financial management channels.

1. gold speculation: gold speculation refers to investors buying gold wealth management products for investment, mainly including physical gold, paper gold, international spot gold, futures gold and option gold;

2. Buy funds: investors can choose to buy funds suitable for their investment, which can be open, semi-open or closed;

3. Buy stocks: investors observe and invest in stocks with growth potential in the stock market and sell them after their prices rise;

4. Bank deposits: Bank deposits can be divided into current deposits and fixed deposits, and regular deposits will earn more interest.