If you are just starting out and don't have much money, don't buy a car unless you talk about customer needs. Although the deposit bank has actually depreciated, there is no risk. You can buy government bonds. Now it's all electronic transactions, and buying and selling are easy to complete. You can open an account in a securities company and realize third-party depository, so that you can do electronic transactions. As for the rest, don't touch it if you don't understand it. But you can learn a little about the bank's wealth management products.