Risk and return are directly proportional. If you want high returns, you can buy stocks or funds. Buying stocks requires you to have some knowledge of the stock market, and open an account with a securities company based on your bank account (set as a third-party deposit). The minimum requirement for opening an account is from the securities company.

The company decides, usually 5,000 yuan. Online transactions can be opened.

There are two types of funds: open-end and closed-end. Open-end funds can be purchased directly on the fund company website (need to open online banking) or through various banks.

Closed-end funds must open a stock account and buy stocks like stocks.

There are several types of open-end funds: currency, bond, capital guaranteed and stock.

Currency funds have no subscription and redemption fees, and the income is equivalent to half-year to one-year deposits. They can be redeemed at any time without losing money.

The subscription and redemption fees of bond funds are relatively low, and the returns are generally greater than those of currency funds, but there is also the risk of losses, and the losses will not be large.

Stock funds have the highest subscription and redemption fees. The fund assets are stocks. When the stock market falls, the fund has the risk of losing money, but if the stock market rises, it will make a profit.

Gold preserves its value.

It depends on what kind of investor you are.