1. national debt. The term is 3 to 5 years, risk-free, and the annualized rate of return is around 5%. When the country issues, it can go to a nearby bank to buy it, but more people will rob it and may not get the share. You can consult the lobby manager of a larger bank nearby.
Second, some high-quality state-owned enterprise trusts. Some securities companies will sell some high-quality state-owned enterprise trusts, which have certain risks and the annual income can be close to 10%.
Third, the monetary fund. Some securities companies will issue money fund wealth management products, and the investment target is money fund, which has low risk and annualized income of about 4%-7%. You can consult the securities company that opened the account.