2. Time deposit: If you don't need to use the money immediately, you can consider depositing 20,000 yuan into a bank time account to get higher interest. However, it should be noted that time deposits are generally long, and once you withdraw money in advance, you may be subject to a certain penalty interest.
3. Fund investment: You can consider buying some low-risk funds, such as money funds or bond funds, so that you can get some benefits while ensuring the safety of funds.
4. Stock investment: If you are willing to take higher risks, you can consider buying some growth stocks, but you must be cautious.
5. Wealth management products: You can consider buying some formal wealth management products or insurance products, but you need to pay attention to choosing formal institutions and beware of being deceived.
Finally, I remind you that financial management needs to be cautious. Before investing, we should fully understand the market, choose a suitable investment method, and pay attention to risk management in the investment process to reduce investment risks.