The landlord's problem reflects a large part of the current national conditions in China. Financial products such as stocks, securities and futures are not recommended by non-professionals, because it takes a lot of energy and professionalism to make money. As in the 199s, the chance of buying a stock and making a lot of money is impossible. The market can only be for insiders to make money from laymen. Many unscrupulous futures companies just regard customers as ATMs, so that customers' money is constantly lost in handling fees.

In today's high inflation, how to keep one's own funds from depreciating and catch up with the pace of CPI is a thing that people must consider in a market economy society. In China, the market economy is short and the investment channels of ordinary people are narrow. People in the West have regarded financial management as a very important and necessary thing in their lives, just like daily necessities.

However, the financial management concept of most people in China is still bank deposit. In recent years, bank financial products, stock speculation and real estate speculation have sprung up. The advantage of bank deposit is absolute safety, but the income is low. Real estate speculation is no longer suitable now, the policy does not allow it, and the future prospect is uncertain. As China enters an aging age, more and more houses are owned by every household. Some people say that urbanization will bring about a new round of housing price increase. This is not an analysis of the facts. Urbanization does not mean that farmers are not. Even if house prices only go up and never fall, it is impossible to have the increase in previous years. The annual increase of that point is almost the same as that of bank deposits, even worse than that of bank deposits, and it takes a lot of energy to catch up with real estate speculation.

In recent years, the wealth management products that banks have emerged in an endless stream are really hot. If they buy well, they do earn good returns, but there are also great risks. The main reason is that the wealth management funds of banks are all in a "cash pool", but what the funds in this pool are used for is unknown. Once the investment strategy of banks is wrong, the customers' money will be at risk. And even if the customer can safely recover the principal and interest, the annualized interest rate is only 4%-5%, which is not much higher than the time deposit.

I have been managing money for many years, and the annual yield is about 15%

I am happy to answer your other questions.