First of all, you should choose lump-sum deposit or fixed investment according to your risk ability.

Let me analyze it and help you choose:

1, lump-sum deposit and withdrawal is a low-risk and low-yield product, but the current economic situation shows that it cannot effectively keep up with the growth rate of general loan expansion, which means that the money on your card may depreciate after one year.

2. Fixed investment of funds, including stock funds (high risk and high return) and bond funds (low risk and low return, which can keep up with the growth rate of loan inflation from the previous rate of return).

You are a white-collar worker with a stable salary. I suggest you invest in the fund. Financial management is a long-term life plan. If you invest in a fund for ten years, your asset risk is almost zero.

I hope this answer will satisfy you! !