1. First of all, the reserve fund is about 1 0,000 yuan. This reserve fund can be used to buy money funds and can be fully utilized. The money fund has good liquidity and short redemption time, so it can be used reasonably. (Interest rate is higher than demand deposit)

2. You can buy several funds, including 50% stock-based hybrid bond fund, 40% stock-based fund, 10% hybrid fund and bond fund (understand the fund types first and adjust the fund according to the plan! Proper management can increase your wealth, set aside a wedding deposit or deliver a house down payment.