For the return on investment, it is high risk and high return. For example, P2P online loans with a return on investment of more than 10% are in danger of running away, as are stocks; As far as safety is concerned, it is safest to invest in real estate or have a bank, but now the bank deposit interest rate is around 3%, the US dollar keeps raising interest rates, the RMB keeps depreciating, and deposit banks are not resistant to falling. Nowadays, wealth management products and gold have appeared in major banks one after another, and it is safer to control the annual interest rate of general wealth management at 7%. Liquidity refers to the ability to realize cash. General investment in gold, antiques, calligraphy and painting, real estate is not easy to realize. So if you are you, you should consider whether to invest in the medium and long term or in the short term.
As a short-term investment (within 2 years), I suggest you choose reliable financial management and find a financial manager to help you fully allocate assets. The return should at least offset the depreciation of the RMB.
As a long-term investment (3-5 years), I suggest you invest in real estate, because the safety of the house is definitely guaranteed. At present, there is still a contradiction between supply and demand of real estate in strong first-tier cities, and a metropolis like the capital still attracts countless people to struggle every year. In recent years, the amount of land granted by the government is limited, so the stock of new houses in the market is not much, and the supply exceeds demand. It is worthwhile to invest in new houses. I won't elaborate on what kind of house to invest in, mainly depending on four factors and policies.