TOT product design of fixed-income trust originated from FOF (Fund in Fund), and Sunshine Private Equity took the lead in testing water in China. At present, the advantage of TOT products with fixed income is low threshold. The initial investment of general trust products is 6,543,800 yuan, while the initial investment of TOT products can be 500,000 yuan, and some even 300,000 yuan.

TOT is just a product structure, mainly to purchase another or more trust plans through one trust plan.