First of all, you can keep about 200,000 working capital for a part of your current account and three 50,000 time deposits. The advantage of this is that if there is an emergency, but you don't need more money, you only need to use one or two passbooks, and the rest can enjoy a fixed interest rate;

Second, insurance is also necessary, but in China, there is no need to copy foreign experience. After all, domestic insurance is not as good as foreign insurance. It is recommended to buy accident insurance and health insurance. The total investment share is higher than 5% of the assets, that is, within 250,000;

Third, invest in fixed-income trusts or bank wealth management, which are highly secure products. There are 6,543,800 trusts, with a yield of 8-654.38+02% and a term of 654.38+0 to 3 years. The starting point of bank financing is low, with a yield of 4-6% and a short term.

Fourth, invest in some risky investments, such as stocks and funds. At present, stocks are basically in one position. It's hard to say whether it will rise in the future. The probability of loss is still not high. If you are too lazy to choose, buy an index fund.

As for gold, silver spot, futures, art investment and so on. According to your own knowledge and interests, you can participate appropriately or ignore it. I am against investing in this kind of leveraged investment. In addition, there are long-term government bonds and corporate bonds. Which ones have not been risky can also be considered.