Since July 2, 2007, the initial annual rate of return of Anbang's win-win three-year products has been raised from 4. 128% to 4.344%. The initial annual yield of Anbang's stable five-year products was raised from 4.36% to 4.576%. The specific calculation method is as follows: Win-win three-year rate of return = after-tax interest rate of three-year time deposit of current bank 0.6% = 4.68% × 0.80.6% = 4.344% Steady five-year rate of return = after-tax interest rate of five-year time deposit of current bank 0.4% = 5.22× 0.80.4% = 4.576% August 2007. The initial annual yield of Anbang's stable five-year products was adjusted to 5.359% again. The specific calculation method is as follows: Win-win three-year rate of return = after-tax interest rate of three-year time deposit in current bank 0.6% = 4.68% × 0.950.6% = 5.046% Steady five-year rate of return = after-tax interest rate of five-year time deposit in current bank 0.4% = 5.22 × 0.950.4% = 5.359%. Both products carry interest in installments, so banks don't need to raise interest rates. It is two high-yield and low-risk wealth management products.