You can buy stocks, gold, funds and insurance.
If it is a short-term investment, stocks and gold can be used. 、
In the long run, you can buy insurance. Xinhua life insurance is good, but I bought it all in those ten years. You can visit official website.
If you buy gold (a small amount), you can buy physical gold and jewelry for your mother, which is both valuable and filial.
More than 20 thousand can go to the bank to invest in paper gold, but don't invest too much. Take your time.
After you earn money, you can deposit it in the bank and buy insurance at the bank. There is a guy named Mei Tian in China Agricultural Bank. Although he doesn't earn as much money as Xinhua Life Insurance, he can save money.
I appreciate your financial awareness, but you should invest properly.
Finally, I wish you success in your investment.