First, you must set your own income target: 5%, 10%, 20% or a higher rate of return. Secondly, choose investment tools based on your goals and risk preference: If you want to achieve a 5% rate of return, you must choose a bank long-term fixed deposit or treasury bonds, corporate

Bonds are all fine, with low risk and relatively low returns. If you want to achieve 10%, you can lend money to a loan company or an individual, and you will get about 10% of the income. If you want to achieve 20% of the income, you can consider buying funds or stocks, but these two

The rate of return is very unstable, especially in 2011 when most funds suffered losses and it was difficult for investors to make money.