Core Insights - The central theme of the articles discusses the recent cessation of four types of deposit products by the central bank, highlighting the potential pitfalls for consumers and the need for safer investment alternatives [2][3][4]. Group 1: Cessation of Deposit Products - The central bank has stopped four types of deposit products, which were previously available to consumers, leading to confusion and potential financial loss for many [2]. - Commonly affected products include online deposits, which often promised higher interest rates but were later found to be unavailable when consumers attempted to withdraw funds [2]. - Other problematic products included cross-regional deposits and structured deposits, which were misleadingly marketed as safe investments but often resulted in minimal returns [3][4]. Group 2: Alternative Investment Options - The articles suggest several safer investment alternatives, such as money market funds, which, while offering lower interest rates, provide more security and better returns than traditional savings accounts [4]. - Bond funds are recommended for slightly higher returns with low volatility, emphasizing the importance of a long-term investment strategy [4]. - Gold funds are also mentioned as a viable option, allowing investors to gain exposure to gold without the need to purchase physical bullion, although they come with higher volatility [4].

Core Viewpoint - The article introduces the "Six-Dimensional Investment Capability Analysis" feature in the Shenwan Hongyuan Shen Cai You Dao APP, aimed at helping investors manage risks in margin accounts by evaluating their investment performance across six key dimensions: profitability, risk control, return stability, timing ability, stock selection ability, and industry allocation [2][3]. Group 1: Six-Dimensional Investment Capability Analysis - The Six-Dimensional Radar Chart provides a comprehensive assessment of investment performance across six core dimensions [3]. - The analysis helps investors visualize their strengths and weaknesses in investment capabilities [3]. Group 2: Detailed Dimension Descriptions - **Profitability**: This dimension evaluates the investment return level through account yield, with higher yields indicating stronger profitability [6][9]. - **Risk Control**: Assessed based on the maximum drawdown during the investment period and any record of contract defaults, with lower drawdowns indicating better risk management [11][12]. - **Return Stability**: Calculated using the annualized volatility of the account during the investment period, with lower volatility suggesting more stable returns [15][16]. - **Timing Ability**: Judged by the trading win rate during the investment period, with higher win rates reflecting better timing skills [18]. - **Stock Selection Ability**: Evaluated through the distribution and performance of held stocks, as well as excess return rates, with higher excess returns indicating stronger stock selection [20][21][23]. - **Industry Allocation**: Displays the distribution and performance of holdings across industries, aiding in optimizing industry allocation strategies [24][25]. Group 3: Functionality and Usage - The analysis results are presented in a radar chart format, highlighting areas for improvement and providing objective suggestions for enhancement [27]. - Users can access the Six-Dimensional Investment Capability Analysis by downloading the Shenwan Hongyuan Shen Cai You Dao APP and navigating to the account analysis section [35][36].