Investment is risky, but for a big company like Alipay, if the annual interest rate is 4.5%, the risk of this interest is relatively low, and the principle of low income and low risk is adopted. If you choose 3.3%, the income will be reduced by 1.2%, which is equivalent to the time deposit interest rate and there is almost no risk. Personally, I think there is no risk even if I buy 4.5% interest rate. I suggest buying the one with 4.5% interest rate.