At your age, you should make some relatively low-risk investments. Of course, the risk is small and the income is relatively low. What you choose depends mainly on your wishes. If this 70,000 yuan can be used in a few years, you can choose a five-year bank insurance product, with relatively stable income, annual dividends and insurance functions. If this 70,000 yuan is not used for the time being, but it is still used by others after a while, you can buy a money fund and choose one whose current annual income can be maintained at around 2%. The Monetary Fund transfers the proceeds to your account every day. If you want to use money, you can redeem it one or two days in advance. If it is estimated that 70,000 yuan can't be used up, you can take out a part to buy bond funds or hybrid funds with higher yields. Then buy the other part into the money fund. In any case, remember that the older you get, the better you choose a more stable financial product. You must go to financial institutions to ask questions, learn more and compare the previous situation.