1. Investors with lower risk appetite: The past annualized return rate of the Interbank Certificate of Deposit Index Fund has no significant advantage compared to other stable products, so it is suitable for some investors with lower risk appetite who pursue stable returns.

2. Investors with liquidity management needs: Interbank certificates of deposit index funds are suitable for some investors who have short-term idle funds and need liquidity management, especially when the market conditions improve and the income of equity funds begins to rebound, some

Customer groups with a certain risk tolerance have little interest in interbank certificates of deposit index funds.