Both stocks and foreign exchange have risks, and funds are divided into stock types, bond types and currency types.

The risk of national debt is the smallest, and the income is guaranteed. It is best to choose national debt when the market is not good.

Wealth management products are also good, but some thresholds are very high, depending on how your funds are.

Personally, I think stocks, funds and government bonds should be allocated, which can spread risks and improve returns.