How do 9 million depositors manage their money and realize the immigration plan?

With this scale of funds, you can choose two investment and financial management modes, one is risk type and the other is capital preservation type. Considering immigration, in the fund allocation scheme, 50% of emergency funds, 20% of funds for capital preservation investment and 10% of funds for venture capital investment should be reserved. Venture capital includes stocks, futures, foreign exchange, etc. (of course, choose a formal and legal platform). Capital preservation investment, combined with some financial platforms, is much more cost-effective than bank capital preservation financial management. What I mean here is that the rate of return is higher than that of banks and the funds are safe. If necessary, do something specific and then send a private letter.