The current time deposit of Yinzhou Bank shows happiness treasure because of its name. It is a creditor's right product with guaranteed capital and interest, advance payment and real estate mortgage. However, all investments are risky. This value-added service investment and wealth management product named Happiness Bao launched by Ai Cai Online Company has little risk, with guaranteed capital and interest 100%. The annualized rate of return is 4.8-7.8, which is more than twice that of bank deposits. 1-1February is available for selection.