Good afternoon , Mr Meng . It's a little late for you , isn't it ?   Hello , Miao Ping . Yes , I've been stuck in back to back meetings all day , but I really wanted to come and speak to you .   What can I help you with ?   I'm interested in putting some of my money into investment tools , you know , something other than stocks and such like . Do you have any ideas ?   Mmmm ... yes , many investors don't seem to be into stocks at the moment . Too risky ! How about Open-Ended funds ?   Yes , I've heard about that . Isn't it where many investors pool their money together ?   Exactly . Then each individual has the chance to diversify their portfolio over many different areas , it doesn't have to be stocks . And , we provide a Professional Fund Manager , so you know your investment will be safe with us .   How can you help me to decide which areas to invest in ? 