Investment is risky. Although it is safe to have banks, the interest rate is too low. If you want to have fast and high returns, such as stocks and funds, it is risky. Therefore, it is almost impossible to balance safety and high returns.

But the fund can still be considered. For example, bond funds and money funds are not risky, but the returns are not very high, which may be higher than the bank interest rate. There is also the bank's wealth management products. Although there are risks, they are relatively safe and short-lived, and the interest rate is higher than the bank's interest rate during the same period, generally more than 50,000 deposits.

It is also a good choice to invest in a fund for a long time, but it is necessary to invest for a long time to reduce risks. Other types of funds are more risky. If the stock market is a bull market, investing in these funds will soon make money. If the stock market is not good, the funds will also lose money. Therefore, no matter what kind of investment and financial management, we must decide according to our own situation.