Savings advantage: the safest, the bank is open to the national reputation, to ensure that the principal and interest will be paid to you as agreed, not counting inflation.
Disadvantages: little interest, talk is better than nothing.
Advantages of fixed investment: monthly investment is equivalent to buying the average price of the fund, which balances some investment risks. Expected income is higher than savings.
Disadvantages: Limited by the level of the fund management team and the industry risks in the investment direction, for example, during the financial crisis, such as a year-long bear market in the stock market, the fund will also lose money, and the fixed investment can only be less.
Advantages of insurance: with an extra protection, there will be extra compensation in case of an accident.
Disadvantages: the investment channel is unknown, and it is easy to encounter the same risks as the fund.
Therefore, according to your own habits and personality, the safest way is to deposit in the bank. If you want to try the taste of investment, choose a fixed investment from the fund (at your own risk, the investment cycle will be longer) or insurance (just one more policy, not recommended).