This issue can be discussed specifically in three risk levels. Depending on your risk tolerance, you can choose what kind of financial management method or investment channel.

1. Low risk: bank time deposits, treasury bonds, capital-guaranteed bank financial products, etc. Of course, if you have the means, you can buy some U.S. bonds, Japanese bonds, etc., and the income is generally 3%-5%. Basically, there is no risk and the return is relatively low. It is suitable for people with low risk tolerance and easy satisfaction;

2. Moderate risk: stocks - choose large-cap blue chip stocks for long-term holding and do not engage in short-term speculation, etc. Annual dividends; buying a house - with the acceleration of urbanization, the domestic real estate market still has at least 10 years of growth, so if you have money, buy a house and rent it out, rent it for 2 or 3 years and then sell it; non-guaranteed bank financial products wait. This type of investment has certain risks, and the return is basically around 8%---15%. It is suitable for people who have a certain risk tolerance and have certain requirements for returns;

3. High risk: stocks - fast In and out quickly, short-term; foreign exchange - betting on appreciation; futures - long-short game; private lending, or loan sharking, of course, it would be best if you can get a small loan company license, this is legal loan sharking. If this type of investment is done well, the net return will be at least 50%. Of course, if it is done incorrectly, all the investment will be lost.