All investments are risky. Even if you save it, you will face the risk of bank failure. When choosing wealth management products, we must first understand this. Secondly, I should learn something about financial management. Savings, treasury bonds, funds, paper and silver, paper and gold, foreign exchange, futures, etc. All banks are doing it. Saving is your own business. Now that interest rates are marketized, we can compare several banks. If the interest rate is high and reasonable (not artificially high, it sounds unreliable), you can choose. Treasury bonds, funds, etc. It is usually sold on a commission basis. The bank is just a middleman. This choice mainly depends on the national debt and the fund itself. Choosing a bank may just be different in cost. Therefore, we should understand the national debt and the fund itself. The national debt issued by general countries is relatively reliable, and the income is higher than the savings. The maturity of bonds issued by local governments and companies should be carefully evaluated. It is not that the higher the interest rate, the better, and the false high default risk is great. Fund, China and South China have several good profit performance, and these two companies are also relatively good public offering funds. For example, the Huaxia dividend has always performed well. I don't know which one to recommend here. Investors need to make personal judgments based on the historical performance of funds (including bull market and bear market). Paper, silver and gold fell sharply some time ago, almost 30%. If they were short at that time, they would certainly make a lot of money now. This requires an understanding of the international situation and a higher level of knowledge. Futures, foreign exchange is even more. It is not something that ordinary investors can operate. It is suggested that if you don't have much money, you should start with savings. Although it can't run CPI, at least it won't lose too much. Then you can invest in some relatively stable money funds, which rise slowly but steadily. Of course, you can also choose Yu 'ebao or Baifa's wealth management products. At the same time, we should gradually accumulate financial knowledge. It is also a good choice to enter the stock market. China's stock market is relatively new, but there are still opportunities. You need to be very familiar with it before you can enter the market. I didn't specify what kind of product it was because I didn't want to mislead you. The final investment still depends on the individual. I hope to learn more and have financial significance, so the distance to manage the rich is not far away. Stick to it, time can bring you good benefits.