You can invest. According to the length of the investment period, there are the following ways:

1-3 months

There are often not many choices for funds that will not be used within 1-3 months. Our most important reference is that this fund should be very liquid and cannot be taken out when it is needed. At this time, the money fund is the best choice, especially the balance treasure in Alipay.

Money funds are characterized by high security, almost no loss, fast redemption speed and high liquidity. Yu 'ebao itself is actually a money fund, and in Alipay system, our daily expenses can be paid directly through Yu 'ebao, which saves the redemption step and is completely an automatic interest-bearing wallet, which dilutes the boundary between investment and expenditure and improves the convenience of daily life.

2, 3-6 months

Short-term debt fund is a better choice for 3-6 months. Compared with money fund, short-term debt fund has slightly higher income, and at the same time, its risk is slightly greater, and there will be a short-term loss in the holding process.

Short-term debt-based funds mainly invest in short-term bonds, and its average annual yield is about 3-4%. This level of income is similar to that of a bank's 1-3-year regular financial management, but short-term debt funds can be withdrawn quickly. Although it takes 1-2 working days for funds to arrive in the account, the liquidity is much higher than that of bank's time deposits.

3, 6 months-3 years

During the period from 6 months to 3 years, long-term debt funds are a very good choice. The main investment targets of long-term debt funds are long-term bonds, but according to the proportion of long-term bonds, they are divided into pure debt funds, first-class debt bases and second-class debt bases.

All the funds of pure debt funds are used to invest in bonds. Compared with short-term debt funds, the average annual return rate of pure debt funds is about 5-6%, and the pure debt funds will hardly lose money if they are held for more than one year.

in addition to investing in bonds, the primary debt base will also participate in the subscription of new shares, while the secondary debt base will use no more than 2% of the funds to buy stocks. Therefore, the average annual yield of the primary debt base and the secondary debt base is about 6-9%, and the risk will be relatively higher, so it is necessary to be psychologically prepared for 1-3 years.

money that will not be used for more than four or three years

for more than three years is the most suitable for investing in stock funds. Generally, more than 8% of equity funds will be used to buy stocks, and the remaining 2% will be used to buy bonds and keep some cash to meet the daily redemption needs of investors.

in the stock market, it is very normal to lose 3% or even 5% in a year, and it is also very common to gain 5% or even higher in a year. Although the investment risk of a stock is very high, its return on investment is also very high. Looking at the time, on average, it can gain about 15% in a year.