Microfinance is definitely the first choice for the fund's fixed investment, because on the one hand, the fund can let Xiaobai know about the fund and the stock market to a certain extent. Through the fixed investment of the fund, Xiaobai can also know the necessity of long-term investment.

2. Convertible bonds

Convertible bonds are different from national debt. They are generally a kind of bonds issued by listed companies for financing. They have the dual attributes of bonds and stocks. When issuing convertible bonds, investors can buy them. Generally, the winner is 1000 yuan, with low threshold and much lower risk than the stock. Most convertible bonds will open higher on the first day of listing.

3. Yu 'ebao

Yu 'ebao is essentially a money fund, which is basically risk-free. On the one hand, small white investors can regard Alipay as a payment tool, on the other hand, they can also enjoy the benefits of the money fund.

4. Bank deposits

Bank deposits have always been YYDS in the investment field. Although the overall deposit volume has decreased in recent years due to the impact of Yu 'ebao, we can also see that in the past 2022, due to certain losses in various wealth management products, bank deposits soared again.

It shows that ordinary people still believe in risk-free investment, so bank deposits must be a financial management method that Xiaobai Investment must experience.

5. Reverse repurchase of national debt

The essence of reverse repurchase of government bonds is short-term loans. Individuals lend their own funds through the national debt repurchase market and obtain fixed interest income. The threshold is 1 0,000 yuan.