When you don't know what to do with your money, remember two things.
Part of it is to open Alipay, search for S&P 500, Nasdaq 100 and other index funds, read the instructions, and buy some;
The other part is to go to your nearest Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, and Bank of China and tell them to buy a local bond fund, the kind that offers no risk, no fluctuation, and an annual return of 4%.
As for the ratio of the two, it's up to you to plan it yourself.
