Source: Manulife Fund. The National Day long holiday is just around the corner. Have you made plans for where to go? This year, the National Day holiday runs from October 1 to October 7, a total of seven days, and the stock market will be closed during the same period. But just because people are on holiday does not mean money should be idle too. Several types of investment and wealth management tools, such as money market funds, interbank negotiable certificate of deposit funds, and short-to-medium-term bond funds, continue to accrue interest on their underlying assets during the holiday period. As long as you arrange your funds before the holiday, you can achieve "idle people, busy money" during the long break.

Risk disclosure: After fund shares are confirmed, the underlying assets such as money market instruments and interbank negotiable certificates of deposit normally accrue coupon interest during the holiday period, and the related gains or losses will be reflected when the fund net asset value is updated after the holiday. Funds are not equivalent to bank deposits and do not guarantee a minimum return. Coupon income is not the same as actual fund returns, and fund net asset values may still be affected by factors such as market interest rates and credit spreads. But you need to pay attention to the key cut-off time for subscribing before the holiday. Operating one day earlier means enjoying several more days of holding period; operating one day later could mean wasting the entire holiday. Let's take a look together with Manulife Xiaoli.

Note: The specific subscription deadline, share confirmation, and return calculation method are subject to fund announcements, fund contracts, prospectuses, and sales platform pages.

Money Market Funds: Low Threshold, Simple Operation

Money market funds accrue coupon interest on a calendar-day basis, including Saturdays, Sundays, and statutory holidays. For example, Manulife Fund's Manulife Jingyuanbao Money Market Fund (Class A 003711), Manulife Huoqiyou Money Market Fund (Class A 001894), and Manulife Money Market Fund (Class A 162206) are all rated low risk (R1), with subscription and redemption fee rates of 0, making them easy to operate and suitable for managing idle funds during the holiday.

Note: Product fee rates for Manulife Jingyuanbao Money Market Fund: Subscription fee rate: Class A shares: 0%; Class B shares: 0%; Class E shares: 0%; Class F shares: 0%. Redemption fee rate: Class A shares: 0%; Class B shares: 0%; Class E shares: 0%; Class F shares: 0%. Management fee rate: 0.15% per year. Custodian fee rate: 0.05% per year. Sales service fee rate: Class A shares: 0.25% per year; Class B shares: 0.01% per year; Class E shares: 0.01% per year; Class F shares: 0.01% per year. Product fee rates for Manulife Money Market Fund: Subscription fee rate: Class A shares: 0%; Class B shares: 0%; Class E shares: 0%; Class F shares: 0%. Redemption fee rate: Class A shares: 0%; Class B shares: 0%; Class E shares: 0%; Class F shares: 0%. Management fee rate: 0.15% per year. Custodian fee rate: 0.05% per year. Sales service fee rate: Class A shares: 0.25% per year; Class B shares: 0.01% per year; Class E shares: 0.01% per year; Class F shares: 0.01% per year. Product fee rates for Manulife Huoqiyou Money Market Fund: Subscription fee rate: Class A shares: 0%; Class B shares: 0%; Class E shares: 0%; Class F shares: 0%. Redemption fee rate: Class A shares: 0%; Class B shares: 0%; Class E shares: 0%; Class F shares: 0%. Management fee rate: 0.27% per year. Custodian fee rate: 0.05% per year. Sales service fee rate: Class A shares: 0.25% per year; Class B shares: 0.01% per year; Class E shares: 0.25% per year; Class F shares: 0.01% per year. Investors' subscriptions shall be calculated separately according to the fee tier corresponding to each subscription. The above fee rates apply only to ordinary investor groups. Pension clients such as social security, pension funds, and enterprise annuities should refer to legal documents and announcements for details. The above information is excerpted from the prospectus. Different sales institutions may have different fee rates and promotional activities for fund products. It is recommended that you carefully read the fee rate announcements and promotional activity rules published by the sales channel you intend to trade through before trading.

However, you need to pay attention to several key time points. Money market fund subscriptions adopt a T+1 share confirmation rule, meaning that if you submit a subscription application before 15:00 on T day, your shares will be confirmed on T+1 trading day, and you will then be entitled to return distribution rights. According to this rule: before the National Day holiday (October 1-7), you need to submit a subscription application before 15:00 on September 29 (Tuesday), and after share confirmation on September 30 (Wednesday), you can enjoy the seven-day long holiday holding period. Also, a reminder: if you wait until the last trading day before the holiday to subscribe, your shares will only be confirmed on the first trading day after the holiday, and no interest will be accrued throughout the entire holiday.

Note: Money market funds are not equivalent to bank deposits and do not guarantee profits or a minimum return. Fund investment involves risks; please make rational decisions based on your own risk tolerance. The specific subscription deadline, share confirmation, and return calculation method are subject to fund announcements, fund contracts, prospectuses, and sales platform pages.

Interbank Negotiable Certificate of Deposit Funds: An "Advanced Option" with Better Return Flexibility

Interbank negotiable certificate of deposit funds track the CSI Interbank Negotiable Certificate of Deposit AAA Index, with underlying assets mainly being AAA-rated interbank negotiable certificates of deposit issued by banks, which have relatively high credit quality and relatively low volatility. Compared with money market funds, interbank negotiable certificate of deposit funds typically have an advantage in return flexibility, but their net asset value fluctuates more than money market funds, and they have a seven-day minimum holding period requirement. For example, Manulife Fund's Manulife CSI Interbank Negotiable Certificate of Deposit AAA Index 7-Day Holding (022636) is rated low risk (R1), with subscription and redemption fee rates of 0, but each fund share must be held for at least seven days before redemption is allowed.

Note: Product fee rates for Manulife CSI Interbank Negotiable Certificate of Deposit AAA Index 7-Day Holding: Subscription fee rate: 0%. Redemption fee rate: N≥7 days: 0%. Management fee rate: 0.2% per year. Custodian fee rate: 0.05% per year. Sales service fee rate: 0.2% per year. Investors' subscriptions shall be calculated separately according to the fee tier corresponding to each subscription. The above fee rates apply only to ordinary investor groups. Pension clients such as social security, pension funds, and enterprise annuities should refer to legal documents and announcements for details. The above information is excerpted from the prospectus. Different sales institutions may have different fee rates and promotional activities for fund products. It is recommended that you carefully read the fee rate announcements and promotional activity rules published by the sales channel you intend to trade through before trading.

The operation is similar to money market funds. You need to submit a subscription application before 15:00 on September 29 before the National Day holiday to cover the holding period during the holiday. In addition, it should be noted that before the long holiday, Manulife CSI Interbank Negotiable Certificate of Deposit AAA Index 7-Day Holding Period Securities Investment Fund issued an announcement that starting from September 29, 2026, the fund will suspend accepting subscriptions (including conversion transfers in and regular fixed-amount investments) with a cumulative amount exceeding 10,000 yuan per fund account per day.

Note: Interbank negotiable certificate of deposit funds are not equivalent to bank deposits and do not guarantee profits or a minimum return. Fund investment involves risks; please make rational decisions based on your own risk tolerance. This fund opens for subscription on each open day, and each fund share has a minimum holding period of seven days. During the minimum holding period, fund share holders cannot submit redemption or conversion transfer-out applications for those fund shares. That is, investors should consider the risk that funds cannot be redeemed or converted out before the minimum holding period expires.

Short-to-Medium-Term Bond Funds: An "Advanced Choice" with Good Liquidity and Flexible Subscription and Redemption

Short-to-medium-term bond funds belong to the pure bond category, investing in short-to-medium-term bonds with remaining maturities of no more than three years. They do not invest in equities such as stocks, nor do they invest in convertible bonds. Therefore, their expected risk and expected return are higher than money market funds but lower than hybrid funds and equity funds. The underlying bond interest of short-to-medium-term bond funds accrues on a calendar-day basis during the holiday period; however, the fund net asset value will still be affected by post-holiday bond market conditions and may fluctuate. This type of fund has no holding period restriction, offers good liquidity, and provides flexible subscription and redemption. For example, Manulife Short-to-Medium-Term Bond Fund (Class A 012384, Class C 012385, Class D 025524) is rated R2-medium-low risk and offers different share classes to suit investors with different holding periods: Class A has a subscription fee but no sales service fee, making it more suitable for investors planning to hold for a longer period; Class C and Class D have no subscription fee but have a sales service fee, making them more suitable for short-to-medium-term allocation. For all share classes, if the holding period is less than seven days, a 1.5% redemption fee will be charged.

Note: Product fee rates for Manulife Short-to-Medium-Term Bond Fund: Subscription fee rate: Class A shares: M<1 million: 0.4%; 1 million≤M<2.5 million: 0.2%; 2.5 million≤M<5 million: 0.1%; M≥5 million: 1,000 yuan per transaction; Class C shares: 0%; Class D shares: 0%. Redemption fee rate: Class A shares: 1≤N≤6 days: 1.5%; N≥7 days: 0%; Class C shares: 1≤N≤6 days: 1.5%; N≥7 days: 0%; Class D shares: 1≤N≤6 days: 1.5%; N≥7 days: 0%. Management fee rate: 0.3% per year. Custodian fee rate: 0.1% per year. Sales service fee rate: Class A shares: not charged; Class C shares: 0.3% per year; Class D shares: 0.2% per year. Investors' subscriptions shall be calculated separately according to the fee tier corresponding to each subscription. The above fee rates apply only to ordinary investor groups. Pension clients such as social security, pension funds, and enterprise annuities should refer to legal documents and announcements for details. The above information is excerpted from the prospectus. Different sales institutions may have different fee rates and promotional activities for fund products. It is recommended that you carefully read the fee rate announcements and promotional activity rules published by the sales channel you intend to trade through before trading.

The operation is similar to the previous two types of products. You also need to complete the subscription before 15:00 on the second-to-last trading day before the holiday; otherwise, you may miss the entire holiday holding period. Similarly, Manulife Short-to-Medium-Term Bond Fund recently issued an announcement that starting from September 29, 2026, the fund will suspend accepting subscriptions (including conversion transfers in and regular fixed-amount investments) with a cumulative amount exceeding 10,000 yuan per fund account per day (the application amounts for Class A, C, and D fund shares shall be aggregated). In addition, bond funds do not disclose net asset values during holidays, so when you open your account during the holiday, you may not see any change in your holdings' returns. However, the coupon income generated by the bonds held during the holiday will accumulate and be uniformly reflected in the fund net asset value disclosed on the working day after the holiday.

Note: Short-to-medium-term bond funds are not equivalent to bank deposits. Affected by market interest rates and the credit environment, net asset value drawdowns may still occur. During the holiday, only coupon interest continues to accumulate, which does not mean the net asset value will necessarily rise after the holiday. The post-holiday net asset value will also be affected by bond market conditions on the first trading day after the holiday.

Final Thoughts: Let Idle Money "Not Take a Holiday" During the Long Break

During this National Day long holiday, people can take a break, but money does not have to be "idle." Remember these key time points before the holiday and spend a few minutes arranging your fund investments in advance so that your long holiday holding period is not interrupted. Plan your subscription timing well, and don't let "one day late" become "missing an entire holiday." Finally, Manulife Xiaoli sincerely wishes everyone a happy National Day. People on holiday, money not idle.

Scroll to view the full risk disclosure. Risk disclosure: Money market funds, interbank negotiable certificate of deposit index funds, and short-to-medium-term bond funds are all securities investment funds and are not equivalent to bank deposits. They do not guarantee principal or returns. Past performance does not predict future performance, and returns fluctuate with the market. Investors should make prudent decisions based on their own risk tolerance and fund usage arrangements. Specific product information, subscription restrictions, and fee rates are subject to fund contracts, prospectuses, and the latest announcements on the Manulife Fund official website. Markets involve risks; investment requires caution.

Risk disclosure: Manulife Jingyuanbao Money Market Fund, Manulife Huoqiyou Money Market Fund, Manulife Money Market Fund, and Manulife CSI Interbank Negotiable Certificate of Deposit AAA Index 7-Day Holding are rated R1-low risk, and Manulife Short-to-Medium-Term Bond Fund is rated R2-medium-low risk. These are manager ratings; please refer to each distribution institution for specific risk ratings.

Risk disclosure: This material is for service information only and does not constitute substantive advice or commitment to investors, nor is it a legal document. All content in this material is information as of the date of publication. If there are changes, please refer to the latest information. Manulife CSI Interbank Negotiable Certificate of Deposit AAA Index 7-Day Holding sets a minimum holding period of seven days for each fund share. After investors subscribe, purchase, or convert into fund shares, they may not redeem or convert out within seven days from the effective date of the fund contract or the confirmation date of subscription, purchase, or conversion in. Investors should arrange funds reasonably for investment. When purchasing funds, please carefully read the fund contract, prospectus, product information summary, and other product legal documents and make your own investment decisions. Funds involve risks; investment requires caution. Past performance of a fund does not predict its future performance, and the performance of other funds managed by the fund manager does not constitute a guarantee of this fund's performance. This product is issued and managed by Manulife Fund, and distribution institutions do not bear responsibility for product investment, redemption, or risk management. MACD golden cross signals have formed; these stocks are performing well!