I suggest you manage your finances through bank channels. At present, China Merchants Bank has many personal investment and financial management methods: fixed term, national debt, entrusted financial management, funds, gold, trust, insurance and so on. Different products have different investment starting points, corresponding risk levels, and different calculation methods of yield and income. If you have investment and wealth management needs, you can go to China Merchants Bank outlets to consult the wealth management manager for relevant advice.