it depends on your age and your annual income. Your question is too general to answer.

But I can tell you my general financial thinking about the current economic situation.

interest rates have been rising all the time. Because of inflation, it is possible to continue to increase, so it may not be cost-effective if you buy a fixed deposit now. For example, if you save for two months and raise interest rates again, what should you do? Take it out and keep it? It may not be cost-effective to waste two months like this. Therefore, if the deposit is fixed, as long as the interest rate is not very high, don't take it out for a few months. Of course, if you save for three or five years, you still have to take it out and transfer it.

saving is the least cost-effective, but because you can take it with you, you should put some money just in case. If you have social security or commercial insurance, which is medical, I think you can save less, because it is guaranteed after all.

At present, banks all sell short-term wealth management products, and the annualized rate of return is about 3%-5% from a week or so to a few months. However, when banks say that there is no risk, it does not mean that there is really no risk. If you buy it, you should be cautious.

It depends on your annual income. I suggest that if you don't have social security, you buy some copies of Kangning of China Life Insurance, which is very secure for serious illness. If you can accept insurance, you can also consider buying some dividend insurance. Although the income may not be high, it's better than nothing, but don't buy universal insurance, and it's better to buy insurance, not bancassurance products (that is, insurance sold by banks), but China Life Insurance.

another good investment channel is to buy treasury bonds, which is less risky (basically not available) and the income is not uo. I suggest buying treasury bonds, which is the best choice. The only drawback is that you can't take out the money for use within three or five years (you can buy it with 2%-3% of your annual income, which is in the case of social security or commercial insurance).