It is equivalent to the one-year time deposit rate. If calculated according to the current one-year time deposit rate of 2.25, it is about 1000 yuan.

If you don't use it for a long time and the funds are safe, you can buy a pure debt fund, and the income will be higher than the deposit.

When it comes to risk, investment will be risky. If you hold a pure debt base for a long time, the risk will be smaller.