1, Monetary Fund. Monetary funds are known for their safety and high liquidity. It is an essential tool for customers who want to realize and preserve their value at any time. In addition, the change of money fund interest rate is more sensitive than the change of bank ultra-short-term wealth management interest rate.
2. National debt. China's national debt is endorsed by China government credit, which is more reliable than bank savings deposits. China's national debt is divided into 1 year, 3 years, 5 years and 10 year, including voucher-type, electronic-type and book-entry national debt. Discounted bonds of US Treasury bonds are mainly short-term, with four maturities of 4 weeks, 3 months, 6 months and 1 year. Holding both local currency and US dollar bonds in a few weeks and months can not only match the maturity, but also hedge the exchange rate risk.
3. Invest in high-grade bonds. High-grade bonds have transparent prices and high liquidity. If you don't want to spend time researching, find out the hard asset 3A bonds that are less affected by the cycle and buy them.