If there is no planned large expenditure:

Daily expenses of about three months are reserved for current deposits, and the rest are deposited in three-month, six-month, 1 year, six-month and three-month time deposits respectively. The expiration time is 5 years or 3 years. If you can take some risks, you can take out half of the investment funds and allocate them reasonably in index, active, mixed and bond funds according to market changes.

If there is a balance every month, you can make three or five fixed investment funds, and you should also do a good job of matching different styles.

Specific financial planning requires you to provide more detailed information. I suggest you consult a trusted bank financial manager and make a plan.