First, go to the bank to find those deposit items with higher interest rates, such as short-term wealth management products, which I saved, and the interest for 22 days is more than 4000. No risk, flexible funds. You can always join the following first purpose.
The other two should be deposited in the securities account, but there are two purposes:
A, playing new shares (looking for small-cap, low-priced and low-PE lottery tickets) combined with bond repurchase, I did the same. When the market is bad (the new shares are broken on the first day of listing), short-term bond repurchase will be done at the interest rate, and there is no risk.
First, to make a 50ETF fixed investment, the risk is almost zero in the long run. On a fixed date every month, no matter whether the market index goes up or down, buy the same amount of 50ETF for 5 years or 10 years, mainly by selling and closing positions, with the goal of doubling the final income.
Some of my funds do just that. Of course, it is not 654.38+0 million, just an example. So is 654.38+00,000. The remaining funds are used for high-risk stock and futures financing.
What you need to do is to learn some financial knowledge first, and then follow this plan. The risk is extremely low, and the income is not low or even high.