1, properly choose diversified financial investments, except the above-mentioned stocks, bonds, real estate, precious metals and commodity futures. Although the market is not perfect, investment can still be considered on the basis of controlling risks. In addition, select scarce products for investment preservation, such as calligraphy and painting, antiques, treasures, ancient jade, agarwood, stamps and so on. Carry out investment preservation on the basis of full understanding;

2. When investing in stocks, you can study some scarce sectors, such as new energy, low carbon, environmental protection and other industries, understand and analyze, decisively open positions, overcome greed, pay attention to familiar stocks, avoid scattered stock portfolio operations, keep abreast of information changes, and reduce investment risks;

3. Make private investment in suitable projects, participate in enterprises on the basis of full understanding of the projects, or borrow money (debt investment) through income planning to obtain returns;

4. For some familiar enterprises with good credit, do private loans. The deadline should not be too long. Generally, the interest will be calculated monthly within one year, and the other party can also be required to provide a certain range of guarantees;

5. You can also get involved in real estate moderately. Housing prices in first-tier cities are already very high, so we can pay attention to second-and third-tier cities for investment. The risk of falling house prices is small, the population is growing, the rigid demand for real estate exists, and the appreciation potential of real estate is still great.

These are your own objective suggestions. Please think carefully when you really choose.