30. David has a deposit of NT$100,000 for a five-year investment, and he wishes to receive returns in New Taiwan Dollars (TWD). Which of the following investments is the best for him? (A) A time deposit with an annual interest rate of 1% (B) A deposit of US Dollars with an annual interest rate of 3% (exchange rate: 1 USD equals 30 TWD； exchange fee: 1%) (C) Stocks with a 50% chance to rise by 10% together with a 50% chance to decline by 10% (D) A life insurance package that guarantees a return of NT$115,000 if David has a 95% chance to live 5 more years