Yes, as an investment, it is definitely risky. The higher the profit, the greater the risk. Products like T+0 trading cannot provide annualized rate of return, because the market has been fluctuating, and it is impossible to estimate your profit today and your loss tomorrow. Even if it can be provided, it is estimated that it will not win the bank deposit interest rate. Foreign professional private equity funds are legally bound, but they are not mature in China. First, it does not guarantee the interests of investors, and second, it cannot legally provide legal aid to investors.

If you need to invest, you are advised to do your own personal financial management and hand it over to the bank if you don't have time. The credibility of the bank is the guarantee of your interests.