ICBC deposits and Ruyi deposits are both gold investment products, each with its own advantages and disadvantages. ICBC has a low accumulation threshold, which is suitable for new entrants and can make fixed investment to spread risks. Ruyi accumulation fund is suitable for investors who understand the market. They can choose the timing and quantity of purchase flexibly, but they have to bear certain risks. Investors can choose suitable products according to their own needs and risk tolerance.