If I buy stocks, I suggest buying low-priced bank stocks. The price is lower, the risk is relatively small, and there is a lot of room for growth.

If you buy a fund, I suggest buying an index fund, such as

Huaxia 300, an index fund, simply means that the trend of the fund and the broader market is the same. You earn as much as the market goes up, and you lose as much as the market goes down. According to the trend of the stock index and the economic development of China, I think the stock index will continue to rise in bands in the next 1 2 years. Considering the risks and benefits, I recommend you to buy an index fund.

As for the annual income, it depends on the market trend. It doesn't mean that deposits have fixed interest, and no one can book them accurately. There is only one general direction.

Family statement, for reference only.