What is the most cost-effective thing for immigrants to bring to China?

A Chinese Odyssey 2 immigrants bring the following things the most cost-effective:

Banker: You can deposit money in your account or you can deposit it in 2E. After the successful immigration, the banker will follow you, but it can't exceed 24 squares.

Professional articles: professional products can be stored, and the storage quantity will be calculated according to the professional level.

Magic weapon: you can equip 1 magic weapon, which will follow the past, but no more than 2 pieces.

Equipment and summoner: You can take it with you as long as you unbind and unlock it, but the summoner needs to be in combat.

House, store: The relationship between husband and wife, gang relationship and store operation of the current role will be inherited from the past.