Risks and benefits are basically proportional. General banks have investments such as savings, funds, wealth management products, foreign exchange, gold and silver for you to choose from. If you require capital preservation, you should choose savings. If you pursue low risk, you can consider money funds and low-risk wealth management products. If you pursue high returns, you can learn about investment funds, foreign exchange, gold and silver. If there is a local China Merchants Bank, you can contact the branch account manager to exchange financial matters.