In the short term, it is better to choose money fund investment. The starting price of monetary funds is 1000 yuan. 500 yuan can add it later. Monetary funds are risk-free, free of handling fees, equivalent to bank time deposits, but current access and interest rates are fixed. There is interest every day and every month, and it is one yuan when you buy it. Generally, when investing in other funds with higher returns, some money funds can be allocated. First, it can reduce the investment risk. Second, the money can be redeemed at any time when it is urgently needed. It is recommended to keep some stocks in case of emergency. Prepare some after use. Huaxia cash money fund is better. The long-term trend is steady, ranking high among similar money funds. In recent three weeks, the annualized rate of return on the 7th was 5,063% and 5,765,438+00% respectively. 4,757%。 The yield is much higher than the interest rate of bank time deposits. The key is that it can be redeemed at any time without losing the interest rate of the investment. It is suggested that Huaxia Monetary Fund is better. When investing in other funds, we should allocate some monetary funds such as Huaxia Cash to increase the income, which can be redeemed at any time when the money is urgently needed, without losing the investment interest rate. Instead, we will deposit it in the bank regularly and take it out when the money is urgently needed, which will become the current interest rate.