1. You can consider buying stock or bond funds, because money funds are too conservative

2. If stocks enter the market cautiously, you can consider buying funds from stock funds to banks or fund companies. Banks can act as agents for many fund companies, and specifically open an account to find a bank financial counter to handle it. At present, some securities companies also have agents to buy and sell funds.

first, let's make a self-understanding, whether it's high risk and high return or steady capital preservation and return. The former buys stock funds, and the latter buys bond or monetary funds.

Generally speaking, there are two ways to invest in a fund: single investment and regular quota. The so-called "fixed investment" of the fund means that investors invest a fixed amount (such as 1 yuan) in the designated open-end fund at a fixed time every month (such as the 1th day of each month), which is similar to the bank's zero deposit and withdrawal method.

Because of its low starting point and simple method, the fund "fixed investment" is also called "small investment plan" or "lazy financial management".

The fixed-term investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price on dips and decreasing the price on dips, and can always get a relatively low average cost no matter how the market price changes. Therefore, regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market volatility. As long as the selected funds have overall growth, investors will get a relatively average income, and they don't have to worry about the timing of entering the market.

3。 Banks all implement the interest rate set by the People's Bank of China, and the interest rate is the same at any bank. The longer the interest is, the higher the interest will be, and the interest reduction will be terminated early. If it is possible to use part of the funds in advance and want high interest, you may wish to deposit them in batches and sections: if you deposit a sum for a fixed period of one year every month, you will have money every month after one year, and the interest is higher than zero deposit and lump sum withdrawal. And so on. You can consider the wealth management products of various banks. The time is short, and the interest rate is higher than the bank's interest rate in the same period, but they are all starting points of 5, and cannot be terminated early. You can also buy government bonds.