At present, if it is expected that the bank interest rate may be lowered, we will increase the deposits with long service life and reduce the deposits with short service life. If the expected interest rate is likely to rise, reverse the operation. Current savings is the most convenient and liquid financial management method, but the interest rate is extremely low and the income is very small. So try not to use this method. The way of lump-sum deposit and withdrawal can obtain higher income, and this kind of financial management can also control the unsettled random expenditure. For investments with long-term planning, such as buying a house, buying a car, traveling abroad, and saving for the elderly. You can choose lump-sum deposit and withdrawal, and deposit a part of your salary into a long-term account every month. If it is for children to go to school, study abroad, etc. You can also choose education savings, which not only has a higher interest rate, but also does not charge interest tax. [Bond Investment] If you think that the interest rate of bank deposits is low, you can consider bond investment. At present, bonds suitable for ordinary residents to invest are national debt and corporate debt, of which national debt does not charge interest tax. There are many ways for individuals to invest in financial management: fixed-term, national debt, entrusted financial management, funds, gold and other portfolio investments. Different products have different investment starting points and corresponding risk levels.