Recently transferred around 2 million to a ZA Bank account. The regulations are getting stricter on the mainland, so now the main way to move funds out is through Hong Kong cards, which are a bit more secure.

My mainland account has received less than 500,000 this month, which is enough to cover a year's expenses, and the rest is left in Hong Kong. Here's the issue: are there any reliable investment channels in Hong Kong?

Currently, my approach is to keep most of the funds in Interactive Brokers to earn interest, and I also casually bought some CRCL, Nvidia, and Google stocks. But I feel like the allocation is a bit too concentrated. Any experienced folks have suggestions? Especially, how can I make better use of funds on Hong Kong cards to get higher returns?