Consider the private placement of trust funds. The term of trust products is generally not less than one year, and trust products with longer term can be invested. Then you can leave it alone after you put it in. When the trust product expires, you will naturally distribute the proceeds and pay the principal. Of course, you need to pay attention to the specific investment of this trust product before investing. If you invest in real estate or energy-intensive industries, you need to consider its risks, that is, whether you can pay the principal and income at maturity.