At this stage, the working class can consider buying a money fund and converting it into a stock fund when the market stabilizes, so that the money will also get higher income than demand deposits through the money fund, and usually you can enjoy preferential rates by converting it with funds under the fund company.

If you are a steady investor, you can also consider buying some bond funds. Although the income is not as good as that of stock funds, the risk is small, the cost of purchasing and redeeming stocks is low, and it is also suitable for liquidity requirements. In the past, the income of bond funds was higher than that of one-year time deposits and money funds. It is a good investment product to avoid risks.