Bank deposits, insurance, bonds, gold, stocks and futures.
Relatively speaking, bank time deposits are not very cost-effective under inflation, but some time deposits are also needed.
In order to make your money less tight when you encounter various diseases and disasters in the future, you can buy some insurance, but it should be noted that some insurance belongs to investment insurance, and the income seems to be very high, but it takes a long time to wait for the income. You need to consider whether those gains can increase your capital after n years.
If you are conservative, you can buy some government bonds. Although the yield is not very high, it is a little higher than the inflation rate, so that your funds will not shrink. If you can't buy government bonds, you can try to buy some corporate bonds, but you should find those enterprises with better benefits, so as to ensure that you can recover the funds when they expire.
At present, gold is very hot, and it is also a strong financial hedging tool. It is the best weapon against inflation. With the increasing inflation and severe international situation, the price of gold will continue to rise. Generally speaking, the price of gold is directly proportional to the price of oil and inversely proportional to the exchange rate of the US dollar. You can make a comparison.
Now that the stock market is falling, it is easier to lose money if you buy it. Of course, if you are a super player in the stock market, you may make a profit without losing money, but it requires a strong "skill." But it seems that the stock market may pick up in a couple of days. From the experience, summer and winter are the times when the stock market rises and gold falls. The stock market is a bit depressed in spring and autumn, and gold will be very hot.
As for futures, ordinary people can't afford to play. All I know is that futures are highly leveraged, making fast profits and losing fast, and the risk is much greater than that of stocks. I haven't played or can't afford to play ~
Relatively speaking, I know a lot about gold. I have done all kinds of stock gold, but unfortunately I didn't make much money when I was doing stock, and I almost lost money. Gold did earn a little, but there is not much time now, so I don't do much.
I don't know if you are satisfied with my answer ~