The first trick: Skillfully using account functions to seize investment opportunities. Generally, according to different risk-return levels, linked insurance products have multiple investment accounts, such as growth type, balanced type, safety-benefit type, stable type, and risk-avoidance type investment accounts. The management of investment accounts follows different investment strategies and investment ratio restrictions, constructing different investment portfolios. Therefore, the potential risk levels of multiple investment accounts decrease in order, while the potential return levels also decline sequentially. Customer funds can be freely transferred among these five accounts.