1. Deposit in a bank for 3 years; for 5 years, you can deposit in a local commercial bank, where the interest will be higher; avoid depositing in cooperatives, and consider large chain rural commercial banks. This is the safest option.

2. Buy national bonds, this is one of the safest solutions.

3. Buy financial products, such as Alipay's Yu'e Bao, which are more flexible and can be withdrawn when needed urgently. The interest is similar to that of a fixed term, or even higher than a one-year fixed term. Other financial products require your own judgment and analysis skills, and you may suffer losses. . .

4. Buying securities funds involves high risks and high profits. It is best to buy funds with good historical records. .

5. Buy and sell stocks by yourself, if your level is high enough, because funds are essentially professionals who buy stocks or make investments and charge management fees. . If your level is average, it is still recommended to buy a reliable fund. With professionals, it is often more reliable and less risky to invest by yourself, although you have to pay a management fee. . .

6. Do business and invest directly by yourself, which is high risk and high profit. .