Bonds, with less income and long time period; Funds, with a long time period, should also choose a good time to intervene; Stocks are difficult to operate and risky; Futures are more difficult to operate and more risky; The risk is great, and the corresponding income may be great, but stocks and futures are like battlefields. When ordinary people come, they just send money. So it's not a question of how to distribute it, but a question of whether to do it or not. I suggest you don't do it too well, or wait until you learn it well. Or ask a friend for help. Advice from insiders!