I wonder how your homework is going? In any economic environment, individuals need a certain proportion of savings deposits to guard against uncertain risks. The biggest difference between savings and investment is that savings is indirect investment, that is, money is deposited in banks, which lend money to lenders through credit and charge interest. Part of the interest is paid to depositors in the form of bank income. The so-called investment refers to direct investment, that is, through the purchase of bonds, stocks, funds, etc., through the financial market directly to the party in need of funds. Obviously, the security of savings has improved, but the deposit interest rate is low; The return on investment is relatively high, but the risk is also great. Therefore, the reasonable financial management method is to choose a certain proportion between savings and investment, and the selection principle is personal risk preference and expected rate of return. In the current economic background, from the perspective of personal finance, the stock market is not performing well, the bond market is relatively stable, and the fund products are good and bad. On the other hand, the deposit interest rate is low (relative to CPI), and investing in bonds or good fund products will get higher returns within a certain risk range; From the macro-economic point of view, the state strengthens financial reform, increases the proportion of direct financing in the financial market, reduces the investment and financing costs, and promotes economic construction and development. Direct financing means more direct investment, so individuals are encouraged to invest.