Look at your money. If you need money in the short term (half a year), then I suggest you buy a money fund. The money fund does not need any fees and risks, but the income is similar to that of one year, but it is convenient to access and only needs to be redeemed two days in advance. If the funds are not used within 1 year, you can be advised to invest in bonds, because there are many adjustments in the short-term stock market, but it is still impossible to judge whether you can turn around immediately. I suggest you buy bonds; If your funds have been idle for more than one year, I suggest you buy stock funds.