First of all, we must understand a truth: high risk and high return, low risk and low return.

You don't want to spend too much energy and time, which means you don't want high returns and high risks. (except illegal)

At present, dividend insurance, funds and speculative gold and silver in the market are very likely to lose money. (Dividend insurance may be better and longer, ranging from three to five years to ten or twenty years. )

According to your possibility, the bank's notice deposit is more suitable for you. There is also short-term financial management such as banks. The deposit time will not exceed one month. Banks call it, the income is different, but some are fixed income. Some don't make ends meet. You need to ask about the difference (just ask the bank lobby manager)

In addition, I suggest you know more about the fund's fixed investment. Maybe it can help you manage your finances.