The annualized interest rate of 5% is not high. The annualized interest rate is actually the annual interest rate. But this is only a short-term gain. For example, three or six months' income. Equivalent to the average annual income. Due to the short annualized interest rate. Although five percent is not low. But the overall income will not be too high within one year. So the annualized interest rate of 5% is not high. But it is not low. Short-term idle funds can also be purchased safely. Fund is an indirect way of securities investment. Fund management companies concentrate investors' funds by issuing fund shares, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers.