At present, the one-year deposit interest rate is 3.5%, and the price increase (CPI) in the first half of the year is 5.4%, which is still in the negative interest rate stage. It stands to reason that the central bank needs to raise the benchmark deposit interest rate by 200 basis points to solve the negative interest rate problem.

In order to preserve or even increase the value of the balance of 1 1,000 yuan, it is not only necessary to deposit the money in the bank, but also to invest, such as buying stocks, funds, bonds and bank wealth management products.

Although the stock market is risky, the return is relatively high and can be realized quickly. As long as it is done well, it is no problem to make money.

Although the fund is stable, the income is generally not high, so it depends on long-term accumulation. You can choose a good fund to make a fixed investment.

Bonds are relatively safe and stable, but the time is inflexible and the liquidity is not high.

Although the income of bank wealth management products is not very high, it is much better than the existence of banks.

In your present situation, it is best to learn some knowledge about stock trading first, and then make short-term investments in the market. As long as we grasp the leading stocks supported by popular industries and national industrial policies, the income is still good. Ten thousand dollars is not much, but it can be accumulated slowly.