Honey, the question you asked is more complicated. QDII outperforms CPI. To put it bluntly, you just want to preserve the value of assets, right? QDII itself has a good prospect. QDII is basically divided into three departments: funds, banks and brokers. I personally agree with what you said about the fund department, but how to choose Public Offering of Fund? There is no absolute relationship between the ranking of public offering and whether it is done well or not. Management fees and subscription and redemption fees are another expense. After all, public offering is risky, profitable and enjoyable: if you want to do it in the medium and long term, it means that you are not a venture capitalist and tend to invest steadily. Consider private equity funds. After all, private placement does not rely on relatively ranked private equity funds to protect capital. The annual income of fixed income projects is usually between 9%- 15%. Of course, it is also easy to choose high-quality private equity funds. If you do it for 3-5 years in the medium and long term, you should consider PE VC. I'm telling you this because I don't think your investment preference is particularly in line with QDII, and then I'll give you other suggestions.