The money fund will not lose money, but the income is only equivalent to the regular interest of the bank for half a year to one year. The advantage is flexibility, no time limit!

Except that there are no funds that can make stable profits, according to your actual situation, it is recommended to invest in debt-based funds, such as Guo Fu Tian Li \ Changsheng Bond \ Baokang Bond. These partial-share bond funds are less risky, with a return rate of around 60% in the bull market in 2007. If 2008 is really slow, I think its return should be around 20%! Although the income is lower than that of equity funds, the key is that the risk is small and it is suitable for old-age care!

Or make a portfolio: 50% money fund, 30% bond fund and 20% stock fund, which is also a good choice to control risks!

Let's talk about the bank's wealth management products first: most of the wealth management products of big banks now have higher returns and are also linked to the stock market. In the bull market in the past two years, the income of bank wealth management products was good, but it still couldn't catch up with its own funds! If the stock market weakens, the bank's wealth management products will also have negative returns! !