1. It is suggested that the whole fund of the landlord be fixed. Although the risk of fixed investment by the fund is a little big (but not too big), the income is much higher than that of lump-sum deposit and withdrawal. The interest rate of lump-sum deposit and withdrawal for one year is 3. 1%, while the income of fixed investment by the fund is generally twice or even more, of course, it is possible to lose some money, but if the landlord is still young, he should be able to accept this slight risk.

2. If CPI is higher than 3. 1%, lump-sum deposit and withdrawal will depreciate at that time, that is to say, if it is equal to 3. 1%, there will be no income, and if it is higher than 3. 1%, there will be income.

If you put it in your pocket, it will definitely depreciate. Of course, it is suggested that the landlord has a certain amount of liquidity and can make some notice deposits in the bank. In addition, idle funds can still try to invest and manage money.

I hope I can help you.