If you want to be absolutely risk-free, you have to buy a money fund. The annual interest rate is slightly higher than the fixed bank interest rate. The advantage is that there is no interest tax and it can be redeemed at any time, which is equivalent to the current demand. The disadvantage is that the income is too low.

If you want a high return, buy a stock fund. It is estimated that the stock market will be relatively stable this year and next. Two years' return may be worth ten years' bank deposit interest, but the disadvantage is the highest risk.

If you want to compromise between the two, choose a bond fund.