If it's just a deposit, it's just a time deposit. I remember Ural 80 said that long-term time deposits are only suitable if the interest rate of five-year time deposits is higher than 5%. If you can buy a fund, the money fund is also a good choice, and the annual income is generally higher than the one-year fixed deposit rate. Now money funds can trade T+0, which is more convenient than fixed deposit, so there may be a handling fee in the future, and short-term operation may not be suitable.