1, we must make a good combination of risks. We can't buy all the high-risk ones and the low-risk ones at once. You are still young, you can consider buying some high-risk products, and you can consider a fixed investment.

2, the amount should be in line with their actual situation, leaving enough living expenses for about three months as emergency funds (can be bought into currency), and the rest should be properly invested.

3. It doesn't matter whether the net worth is high or low, mainly depending on the rate of return and historical performance.

4. Ultra-short bonds and currencies are low-risk and low-yield funds. In 2008, the monetary income was 4.37% and the ultra-short debt was 5.4 1%, for your reference.

5. Equity funds and hybrid funds mainly look at the stock market. Judging from the performance of the stock market, strong debt funds can also properly consider the stock market trend. Pure debt funds depend on the bond market, and money funds don't matter. They earn a little more than they do now. As cash substitutes, they are highly liquid.

In addition, harvest fund, which is doing well at present, has Harvest 300, quantification, service, strategy and others. I hope I can help you!