Asking this question is nothing more than thinking that putting money in the bank will shrink and run faster than inflation, but buying funds is afraid of losing money. If you hold this idea, there is a comprehensive method to consider:

For example, if you have 50 thousand yuan in your hand, put 20 thousand yuan in the money fund (the best three currencies in the fund portfolio are the combination of three money funds) for easy withdrawal at any time; 30,000 yuan 1 year, 2 years and 3 years are 1 10,000 yuan respectively. After 1 year, the due 1 000 yuan will be deposited in bank financing or time deposit for 3 years, and so on. After three years, it will become three years, but the term is different, which is 1 year in turn. The advantage of this method is that the annual savings period keeps equal balance, which can not only cope with the adjustment of savings interest rate, but also obtain higher 3-year deposit or wealth management interest.