First of all, you should distinguish between Chujiacai, which are used in the short term and which are planned in the long term. I give you the following advice:

1. If you want to use it at any time, it is recommended to buy a money fund (such as Yu 'ebao). Time deposits, stocks and insurance are not recommended. The former has flexible access, and the money fund has better income than one or two-year time deposits, while the latter is inflexible. It is not easy to realize the stock, and the cost of surrender will be higher.

2, 1~5 years may be used, it is recommended to choose a good fund to invest, and to attract blue chips when the stock market is depressed. We should seize the opportunity at the bottom of the market and look for rising investment opportunities, but this is very difficult for ordinary people to do, so we should choose the method of fixed monthly fund investment, and remember that we must adhere to this point for a long time to get good returns.

3. In the case of long-term planning, it is recommended that the fund do fixed investment financial insurance, because the long-term income of insurance is relatively stable and has the function of compulsory savings, which is suitable for long-term pension planning. In terms of insurance, it is best to choose universal account wealth management insurance with a coverage of more than 3%.