Part of it is deposited in the bank. Although the interest rate is low, it is safe and stable.

Some can buy bond funds, which have an average annual return of about 6-10%, and can be redeemed at any time, which is also safer.

There is also a bank's financial product, which is short-term and has a higher interest rate than bank interest rates in the same period. The minimum deposit is 50,000 yuan and the annual interest rate is about 4%.

All of these methods are possible and are relatively stable.

Others, such as stocks and funds, are relatively risky. If you are interested, you can invest a small amount of money to give it a try.

For example, you can make a fixed investment in a fund and invest a few hundred yuan every month. However, if you want to invest for a long time, it will be difficult to see benefits in the short term.

For fixed investment funds, it is best to choose stock and index funds because they are highly volatile and can effectively spread costs.

There are two charging methods for funds: one is front-end charging, which is the default one, that is, when you buy every month, you have to pay a proportional handling fee, which increases the cost of fixed investment.

If you buy it over the counter at a bank, the handling fee is 1.5%. If you buy it through online banking, the handling fee is 30% to 20% off. If you buy it on the fund company's website, the handling fee is as low as 40% off.

There is also a redemption fee ranging from 0.25-0.5% when redeeming.

There is also a back-end charge, that is, there is no handling fee when buying every month, but the holding time must reach the time specified by the fund company (ranging from 3 to 10 years) before redemption, and there is no handling fee. Long-term

You can save a lot of handling fees.

Therefore, it is best for fixed investment funds to choose funds with back-end fees.

Not all funds have a back-end.

The second is to change cash dividends to dividend reinvestment. In this way, if the fund company distributes dividends, the cash will automatically repurchase the fund, and there will be no handling fee for the purchased fund.

Third, if you have no money to invest this month or the market has risen very high and the fund price is also very high, you can also stop investing for one to two months, which will not affect your future fixed investment, but do not stop investing for three consecutive months.

If investment is suspended for three consecutive months, fixed investment will automatically stop.

Fourth, when the stock market is in a bull market, the fund also rises a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, the investment can be appropriately increased to increase the fund share.

There are many funds with back-end fees, which are explained in the fund subscription fee column.