Savings deposit is an investment behavior. Different types of financial management have different income and risk characteristics, such as: bank deposits: capital preservation, interest income (current interest, fixed interest) is basically risk-free; Insurance: there is basically no risk in capital preservation and fixed interest income; National debt: fixed interest, one percentage point higher than savings deposits, basically risk-free; Corporate bonds: fixed interest, which is generally more risky than debt interest; Investment funds: interest; Bonus shares and bonuses; Professional financial management, such as the difference between buying and selling securities, is less risky; Stocks: dividends and bonuses; The risk of price difference (capital gain) in buying and selling securities is high; It can be seen that the risks of various wealth management (investment) products from bank savings to stocks are gradually increasing, and the possibility of income is also gradually increasing. In July today, consumer prices rose by 5.6% year-on-year, and the negative interest rate of savings deposits was more prominent. The fund is relatively stable, easy to operate and more suitable for middle-class families to invest.