A: First of all, we have to clarify two points. First, under the premise that the CPI index has reached a record high of over 6.5%, the current deposit interest rate seems to be too low. At present, the more savings deposits in banks, the greater the shrinkage of personal and family assets. Because the nominal interest rate of one-year savings deposit is now 3.87%, if you want to preserve the value of assets, it is recommended not to adopt this method. Second, no one knows whether house prices will rise or fall in the future. However, one thing is certain. If the RMB continues to appreciate, then the house price reflecting the value of assets should not be unresponsive. Understand the above two points, and what to do will be clear. First of all, you buy a house for your own living. Then, under the premise of being able to bear the down payment and mortgage, and the quality of life will not drop significantly, it is recommended to buy a house as soon as possible. Secondly, families must keep working capital for three months' daily expenses in the bank as a backup deposit. Part of the remaining funds can be used as the down payment of the house, and part of it is recommended to buy some stable and easy-to-realize bank wealth management products. The expected rate of return can only exceed 7%. At present, it is recommended to buy some wealth management products that participate in new shares. A: Fixed fund investment is a safe investment method. As long as the investment date is relatively fixed, it doesn't matter whether you choose the beginning of the month, the middle of the month or the end of the month, which can reduce the capital cost and resolve the market risk. There is no need to make too many suggestions on the specific purchase quantity, and the regular quota of funds can be based on long-term investment of stock funds. A: The fund company may go bankrupt, but the management and custody of fund assets are separated, that is, the fund manager is responsible for the investment operation and management of the fund, and the fund custodian is responsible for the custody of fund assets and the entry and exit of funds. Moreover, the fund assets are independent of the own assets of the fund manager and the fund custodian, and the funds deposited in the custodian bank are stored in the form of independent fund accounts, and the creditors of the fund manager and the fund custodian have no claim to the fund assets. Therefore, even if the fund management company goes bankrupt, all its creditors have no right to use the assets in the fund account, and the assets of the fund holders are not affected. (The above answer is the personal opinion of the financial planner and does not represent the opinion of this newspaper. )