First, investment financial products basically follow the principle of "high risk, high return, no risk, low return", and there should be some vigilance about exaggerated elements such as "publicizing" returns reaching above the loan interest rate. The common theoretically risk-free financial products for the general public are only government bonds and bank savings deposits. When purchasing products with an expected return rate exceeding 6%, the people must ask not "what will I get" but "what will I lose".