Bank deposits and treasury bonds: This is the most common way. The advantages are that funds are safe, trouble-free, and the capital threshold is low (you can save dozens or hundreds of dollars). The shortcomings are low returns, basically losing money (the interest rate can’t even keep up with CPI), and it can’t even maintain value.

Real estate investment: This is also a relatively common one. The advantage is that it has a strong value-preserving function. The disadvantages are low returns, high capital threshold (generally hundreds of thousands of dollars are required to open one or invest in one set), and heavy policy pressure.

Funds and insurance: This is also a common practice. The advantage is that it takes into account value preservation and income, and the capital threshold is low (a few hundred or several thousand is fine). The disadvantage is that it relies too much on the manager's professional ethics, making it difficult for investors to control risks. (The best return rate in China in 2011 was -5%, generally -20% to -80%. The reason was the irresponsibility of the managers and the poor supervision of the investment market. The managers all used customers’ money for free. Make money for yourself, and when you lose money, use your clients’ money to do it. If you can definitely make money, use your own money to do it. This is an open secret in the industry)

Gold, foreign exchange, futures: this. It is an investment method that has only emerged in the past ten years (referring to domestic). The advantages are high returns, 24-hour trading, and T+0 two-way trading (you can make profits in both ups and downs). The disadvantages are that the capital threshold is high (less than a few hundred thousand, you are not even qualified to be a retail investor), the risks are high, and the technical requirements are high (you usually have to find a professional trader from the company for guidance). Gold and futures are now available domestically, but foreign exchange is not yet available (because the RMB exchange rate does not fluctuate completely freely, so foreign exchange cannot be done domestically.)

Spot Chinese medicinal materials and agricultural products: This has emerged in recent years (referring to domestic). The advantages are high returns, multi-time trading, T+0 two-way trading (you can make profits in both ups and downs), and low capital threshold (you can do it with just a few thousand or tens of thousands). The disadvantages are high risks and high technical requirements (generally, professional traders from the company are consulted for guidance).

I am a working-class person with no money, so I choose ready-made Chinese medicinal materials. I don't know your specific situation. You can see for yourself which one is suitable for you, or you can add friends to communicate.