If you buy bonds, please take them as well as possible, and only wait until the maturity to get the income. It is suggested to buy bonds due within one year as much as possible, and the yield may be around 3-5%. At this stage, banks are unlikely to take measures to raise interest rates, which relatively reduces the risk of bond decline. But bonds are really not for speculation, please remember.

If you buy a fund, please pay attention to decentralized allocation. In addition to the stock type, it is recommended to match a little hybrid and QDII. At this stage, it is better to buy funds by fixed investment, and come out firmly after obtaining the expected income.