Ivan said that for investors with low risk appetite and soundness, they can now allocate some fixed-income products with longer maturities and lock in long-term yields. For example, the current three-year and five-year interest rates of government bonds are 4%. Above, some banks still have 5% of fixed income products with more than one year's term . Such yields may be difficult to see in the future. For investors with good risk tolerance, the allocation ratio of equity products can be increased . The valuation of A shares and Hong Kong stocks is still low globally, and many good assets can be bought in the market. It is not high. The continuous inflow of foreign capital also shows that global professional investors are optimistic about the Chinese market. Regardless of the rise in stock prices, many core assets have a cash dividend of more than 4% per year. Investors can choose their own risk appetite and duration. It is required to appropriately increase the investment proportion of equity products.,luno exchange rate dollar to naira.