A kind of fund, which belongs to venture capital, has high returns and certain risks, unlike banks. Tiantianfa is Huatai's margin wealth management product business. When the trading liquidation funds are idle, the funds in the customer's account are invested in the money fund wealth management, and the risk of the money fund is almost ignored. Before the opening of the next day, the wealth management products will be automatically converted into cash and can be used freely during trading hours. Now many brokers have this kind of business. Once the agreement is signed, they will automatically manage their funds after the market ends and automatically convert cash before the market starts. The annualized rate of return is maintained between 2% and 2.5%. This is much better than a current account.