Fund investment: the risk is relatively high, and the probability of obtaining excess returns is relatively high. Need to adhere to long-term investment and be able to withstand the risk of "fluctuation". If you have long-term "idle" funds and meet your risk preference, you can make appropriate allocation.
You can also pay attention to the "smart bank deposits" of small and medium-sized banks and enjoy deposit insurance protection (according to the Deposit Insurance Law, individuals can enjoy 100% compensation for ordinary deposits within 500,000 yuan in a single bank), and the "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (early withdrawal) and higher interest rate than ordinary deposits.
Choose products that suit your risk preference, liquidity demand and income target.
Specifically, you can search for "download link of Du Xiaoman Financial APP (formerly Baidu Finance)" or pay attention to "Du Xiaoman Technology Service Number (Du Xiaoman Financial Management)" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!