1. Fixed investment. Set aside a portion of your money every month to choose an index fund for fixed investment. If you don’t have a baby, you can choose 1,000 per month. If you have a baby, you can consider 500. The advantage is that you can develop good financial management habits.

2. When the market is not good, choose to buy stock funds at low points. When choosing, you need to be careful not to buy funds that are too big, less than 10 billion yuan. The advantage is that you can share the profits brought about by the rise in the stock market, and when the market reaches its peak, fund managers will generally have foreknowledge. Choose cash dividends to avoid risks. The disadvantage is that you don't know when the low point is. But if you can endure loneliness, I believe you can get good benefits. Can account for 30%-40% of household assets

3. Money funds can be purchased at any time. This is safer and has higher returns than regular returns. The disadvantage is that the subscription and redemption time is relatively long. A single process probably takes 5-7 working days. Accounting for 30% of assets

4. Choose regular savings. This is what is foolproof after all. 30%-40% of assets

Of course. This is just a suggestion, you have to master it yourself on how to operate it.

There are many varieties to choose from.

The front room. The original stocks of small and medium-sized enterprises. Futures. Gold (of course if you are a professional.)

If the stock market still can’t make it work. It is still recommended that you play insurance.