Three American versions of "Yu'e Bao," with an annualized return of 4-5% $SGOV : The underlying assets are U.S. Treasury bonds within three months, highly liquid, and the first choice for large funds. $USFR : The underlying is interest-free Treasury bonds, preferred during interest rate hike cycles. $BOXX : No dividends, returns are only reflected in appreciation, reasonably avoiding dividend withholding tax.