1. Money funds have the least risk, so to speak, no risk, and the least income, slightly higher than time deposits, with an annual income of 2%-3%. Good companies include Huaxia/Guo Fu/Jiashi/Nanfang/Bosera, etc. 2. Bond funds are less risky and less profitable, but in 2008, the income exceeded the long-term deposit, and the risks to be avoided exceeded the time deposit. I suggest you buy bond funds, such as Bank of Communications to increase profits C (free subscription and redemption, good performance in 2008), Huaxia Bond A/B (Huaxia Fund, fighter in the fund), Guangfa Strong Debt (recommended by institutions), and CCB to increase profits steadily. The following are the riskier funds. 3. Long-term stock (index) fund investment. You can invest in several stock (index) funds regularly every month. It is recommended to invest 300-500 yuan every month. The recommended funds are Rongtong Shenzhen Stock Exchange 100 Index Fund (back-end fee), Guo Fu Tian Rui Stock Fund (back-end fee), Guangfa Steady (back-end fee), ABN Amro Growth and Warburg Advanced Growth. If you set up a debit card of Zhang Jianshe Bank and open the online fixed investment fund business, you can set the answer online at will. Online fixed investment fund business can only be handled at 9: 30- 15: 00 on weekdays (Monday to Friday).