1. Bank financial management.

You can put part of your money in the bank for time deposits. Although the interest rate of time deposits is relatively low, it is relatively safe. Of course, you can also choose to use this part of the money to purchase bank financial products.

2. Monetary funds.

You can spend part of your money to buy money funds. Money funds are the lowest-risk category of funds. Currently, most money funds have annualized returns of around 2%-3%.

3. Stocks and stock funds.

You can also use part of your money to buy stocks and stock funds, but it should be noted that the risks of stocks and stock funds are relatively high. It is best to understand the stock market clearly before investing in stocks and stock funds.

4. Regular financial management on the Internet.

There are many regular financial products in apps such as Alipay and WeChat, with expected annualized returns ranging from 4-5%.

5. National debt and local debt.

National bonds and local government bonds are relatively low-risk, but the returns are higher than bank time deposits, so you can choose to use part of the money to purchase national bonds or local government bonds.

6. Private bank deposit products.

Nowadays, many private banks have launched online deposit products to ensure the safety of principal and higher returns, but most of them require rush purchase.

You can divide the 200,000 into several parts and invest about 5% to 30% in different places, so as to share the risks while ensuring a certain return.