I suggest creating a fund portfolio. After removing recent necessary expenses and setting aside some reserves, a small amount of funds that can be used for investment and financial management should be invested in hybrid funds, and the rest should be invested in bond funds.

Hybrid funds recommend Harvest Financial Management for growth, and bond funds recommend CCB for stable growth.

Hybrid funds are high risk and return varieties, so they must insist on long-term fixed investment. This can spread the cost and reduce risks. As long as there is a bull market, there will be huge returns.

Bond funds are types with low risks and returns, and can serve as a compulsory savings for those who have just joined the workforce.