Small change plan is a product with high safety factor and high liquidity produced by gold wallet. Interest will start to accrue the next day after investment, and the daily income will be reinvested automatically. The compound annualized rate of return is as high as 5.5%. If the one-day annualized rate of return of the change plan is 5.36%, the compound annualized rate of return after interest reinvestment is 5.5%.