If you want my advice, let me ask you a few questions first: \x0d\ 1. How much money do you have now? \x0d\2。 Is there an emergency living allowance (even if you don't work, you can support the living expenses for more than 6 months)? \x0d\3。 What are your plans and plans for future investment and consumption? \x0d\4。 How much risk can you take? \x0d\5。 How long can I invest? Is it short-term or long-term? \x0d\6。 What is your expected rate of return? \ x0d \ x0d \ There are many kinds of investments: time deposits, wealth management products, national debt, funds, stocks, futures, gold, foreign exchange and many innovative products. After reading it, if you want to buy a stable fund, you can choose the bond type. The bond type has higher income than the money fund (the debt base may be 5-6%), but it is not as flexible as the cargo base. At present, most cargo bases can be redeemed immediately at T+0, which is about 4%, which is higher than the annual fixed deposit. If you deposit money in a bank, many small banks will raise the interest rates of the four major state-owned banks by 10%. \ x0d \ x0d \ was not plagiarized, but written by myself.