Bank deposit is certainly the safest, because its risk is the lowest, infinitely close to zero. Bank deposits in China are safer than those in other countries and are protected by insurance companies. Unless the whole economic environment collapses, hyperinflation and environmental problems occur, this kind of risk will appear, but this kind of risk is very low, so bank deposits are very safe, but its yield is also relatively low, with an average yield of about 3% at ordinary times. In particular, the reduction of the deposit reserve ratio in the last six months has released a signal to let more funds flow to the market.
Gold is a relatively safe long-term investment, but now is not a good time to start. At present, the gold market price is still at the level of 370 yuan to 375 yuan, which is relatively high. If the price of gold is around 350 yuan, it is not appropriate to say that it has risen to this level. If you really go with a long-term goal, you don't expect to do much in the short term. After a year's increase, they can catch up with bank deposits without losing money. This return trip is no problem. Now you can also consider reducing the buying cost by gradually adding positions.
For some existing funds, this rate of return is relatively low, that is, about 3%, which is similar to bank deposits. This advantage is that it is more flexible. You can sell it whenever you want, and there will be no big loss if you sell it. Because the handling fee is only more than 30 days, it is already very low. The disadvantage is that his income is relatively low, and he will not create miracles for you like a mixed fund with partial stocks.