Mr. Gao chose to enter into a saving annuity by investing $2,000,000 in 5 years. Since the age of 55, he could withdraw 15% each year (i.e. $300,000) from his account throughout his life. The principal amount invested by Mr. Gao will be kept in his account, which will enable him to enjoy the investment return – as high as $5,000,000 at the age of 85. Meanwhile, if there is any suitable investment project, Mr. Gao can withdraw the principal paid through loan at the age of 55 to enjoy higher investment return. Such plan empowers Mr. Gao to pursue higher yields assertively as well as preserve his wealth securely.