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Investment banking thesis
Both are very safe asset allocation methods.

The annual interest rate of one-year deposit is 2.25%, and the predetermined interest rate of dividend insurance is generally 2.5%. There are also guaranteed bottom and annual dividends. Bank deposits are relatively flexible, and dividend insurance is not flexible enough, but you can apply for a policy loan.

Dividend insurance income is generally 2 to 2.5 times that of bank deposits in the same period.