1. Investment fund Fund is an investment product in which the raised funds are handed over to professional fund managers for management and operation.

It is recommended that investors can use this funds for fund fixed investment (fund fixed investment refers to an investment method that invests a fixed amount at a fixed time to purchase a fund), and increases the share of holdings through continuous purchases, and evenly amortizes the cost of holding positions.

, diversify investment risks, and when the fund rebounds, achieve the smile curve effect and exchange time for returns.

2. Investment in stocks Stocks are a certificate issued by a listed company to prove that shareholders hold shares.

The trading risk of stocks is much higher than that of funds, bonds and other products, but the returns are also high. Stocks have the characteristics of high risk and high return. It is recommended that investors allocate appropriately and do not buy all their funds.

3. If the funds in bank deposits are relatively idle, it is best to choose time deposits. Time deposits are a deposit method that guarantees principal and interest, with considerable returns and safe funds.

There are 6 main varieties, mainly: 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years.

If there is a need for funds in the short term, then keep a time deposit, but the return is very low. It is recommended to use the funds to purchase other products.

4. Treasury bond reverse repurchase Treasury bond reverse repurchase is essentially a short-term loan. It is a way for individuals to borrow funds through the treasury bond repurchase market to obtain fixed interest, and the principal and interest will be returned upon maturity.

There are 9 main varieties, namely: 1-day, 2-day, 3-day, 4-day, 7-day, 14-day, 28-day, 91-day and 182-day.

Treasury bond reverse repurchase has high safety and stable returns.

5. Yu’e Bao Ling Qian Tong Yu’e Bao and Ling Qian Tong are suitable for investors who need funds in the short term. They are equivalent to buying monetary funds. They have stable income and high liquidity. They can achieve income from financial management and use the funds directly at the same time.

For daily consumption, you can deposit and withdraw at any time.

6. Treasury bonds Treasury bonds are financial products based on the credibility of treasury bonds, so they are extremely safe. They were once recognized as the safest investment tools, with relatively stable returns and the promise of guaranteed principal and interest.

How to choose: If the funds will be idle for a long time, it is recommended to deposit in bank time deposits or purchase treasury bonds, etc., which have high security and stable income; if the funds are idle in the medium term, it is recommended to buy funds, stocks, etc., but the risks of stocks are higher.

If the funds are large, it is recommended to choose high-quality underlying investments; if the funds are idle for a short period of time, it is recommended to purchase short-term financial products such as monetary funds or treasury bond reverse repurchases. Monetary funds are highly liquid, and you can withdraw them directly when you need funds, and you can withdraw them at any time.

, Treasury bonds have shorter maturities and are safer.