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Lock-up period

A contractual period during which an investor cannot redeem, giving the manager stable capital to run less liquid positions.

A hard lock genuinely prevents redemption for the term, often one to three years. A soft lock allows exit but charges a fee, commonly 2% to 5%, which is usually paid into the fund for the benefit of remaining investors.

The point is to match the liquidity the fund offers with the liquidity of what it owns. A fund holding positions that take months to exit cannot honestly promise monthly redemption, and a mismatch is what forces fire sales that damage everyone in the fund.

Longer locks are sometimes exchanged for lower fees. Whether that trade is worthwhile depends on whether the investor might need the money and on how much of the strategy's return genuinely comes from an illiquidity-premium rather than from leverage.

Related: redemption-gate, illiquidity-premium, side-pocket, hedge-fund, interval-fund, liquidity

See it drawn

Original diagrams for the ideas on this page. Illustrative, not real market data.

Bid-ask spread in an order bookSell orders stacked above buy orders with a gap between the best of each.SELLERS (asks)50.0690050.051,40050.0460050.011,10050.002,30049.99800spread = 0.03BUYERS (bids)
The bid-ask spread. Buy orders sit below, sell orders above, and the gap between the best bid (50.01) and best ask (50.04) is the spread you pay to cross. Bar length shows the size resting at each price.

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