You are not "explaining" anything, you're not capable of explaining anything, you are merely repeating something that is incorrect over and over.
But by all means, go on and "liquidate" your mutual fund.
Idiot.
It's hilarious how you think you can't liquidate a mutual fund. That's one of the dumbest things I've ever heard. And yes, liquidating a mutual funds means to convert it to cash. With that cash you can invest it in short term no risk securities that mature within 3 months and accounting wise it would be considered a cash equivalent.
But that was not what you were talking about, lmao!! What a lying fraud.