If you lack professional knowledge and time, it is better to make a fixed investment, and it is better to be cautious, carefree and lazy in financial management. The following funds are also a good choice for you to do long-term work. Attack for your reference.

I am the manager of the wealth management department of Guosen Securities, and the fixed investment funds have good liquidity, which is convenient for you to withdraw at any time. General fund redemption shall not exceed 1 week. It is recommended that you use the account of a securities company, with low handling fee and convenient operation. You can open an account in a securities company, and the special business of Guo Xin securities account can be fixed investment of funds.

1/ If you require an annual rate of return of 10 to 20%, the relative risk is very small and the rate of return will not be too high. I suggest you choose Nasdaq index as your fixed investment. The domestic fund that can buy NASDAQ index is Cathay Pacific NASDAQ 100 fund with code 1602 13. It takes about one to two weeks to redeem it, and you can also open a securities account.

2/ If you want a high rate of return and can take certain risks, you will decide to invest in a fund that has performed well in China in the past two years. Jing Shun Great Wall domestic demand fund code is 260 104, and it takes about 4 working days to redeem the fund.

3/ If you don't want to take any risks, you can buy a money fund with an annualized rate of return of about 4%. There is no risk and no formalities, and the liquidity is high. The funds can be redeemed at any time. Generally, you can get the money in 2 working days, and t+0 can get it.

You should buy a house if you can persist in doing it for seven years. You can consult me if you have any questions.