According to the bank's current deposit interest rate, if the zero deposit is rounded off for five years, the annual interest rate is 2.9%. After conversion, you can get a net income of approximately 7.6% in five years, basically without taking any risks.

But overall, the returns are low and cannot be withdrawn in advance.

Fund fixed investment, if you invest all in money funds, based on the current annualized return of 4%, you can get about 10.7% of net income in five years. The risk should be said to be low, and if you need money midway, you can get it in time.

come out.

If you make a fixed investment in a five-year fund, it is recommended that you moderately diversify your investment into several index funds. You should be able to obtain higher returns, but of course the risks you face will also be higher.

Judging from the current situation, you can consider the State-owned Enterprise Reform Fund, Oil and Gas Fund (QDII), 300 Index Fund and the US Nasdaq Fund (QDII).

Above comments are for reference only.