Annualized rate of return on bank deposits1%-3%; The annualized yield of savings bonds is 3%-4%; The annualized rate of return of the money fund is1.5%-2%; The annualized rate of return of bank wealth management products is 3%-5%; The annualized returns of commodity futures, gold, stocks and index funds are floating. These financial management methods are all we often encounter. The former is generally at a low risk level, and the income is relatively fixed. The latter is floating and may be high, but even negative returns may often occur.