If the funds are idle for a long time, you can buy closed-end funds; If the idle time is short, buy an open-end fund.

2. If the risk tolerance is low, you can buy money funds, bond funds and mixed partial debt funds. If you can take certain risks, you can buy mixed partial stocks, stock funds, index funds, ETF funds and so on.

3. If the amount of funds is relatively large and the risk tolerance is strong, you can buy private equity funds.