1. At present, the bank interest rate is low, and it will not be used for three to five years. It is better to look at the bank's funds and insurance wealth management products, with good returns and long-term investment.

2. Financial management is the pursuit of long-term stable income, which is different from investment and has nothing to do with speculation.

Financial management refers to the management of property and debt for the purpose of maintaining and increasing the value of finance. The term financial management originated in the early 1990s.