Let's talk about the money fund first: Generally speaking, the one-year income of the money fund will be higher than the one-year fixed deposit rate. Its advantage is strong fluidity, and it can be extracted at T+0 or T+ 1 If it is possible to use the money within one year, priority can be given to the money fund.

If you don't want to take risks and want to pursue higher returns, you can consider investing in bank wealth management products. There are many kinds of wealth management products of banks. Some wealth management products for half a year are generally 50,000 or 65,438+10,000, and the income is about 4.5%. For example, China Everbright Bank's A+ is a fixed-income wealth management product with guaranteed capital, with little risk. The disadvantage is that the liquidity is poor and cannot be recovered during the period.

In fact, some pure debt funds are also good, the income will be higher and the risk will be relatively lower, but the "capital preservation" is not guaranteed, depending on your risk tolerance.

Stock funds or other products with high returns and high risks are not recommended for beginners ~ let's start with safety.