It depends on your risk tolerance. I suggest you save 50% for emergencies, 25% for low-risk and low-yield investments such as funds and insurance, and 25% for high-risk and high-yield investments such as stocks and foreign exchange.

In addition, foreign exchange risks are great. Personally, I think it is bigger than stocks, but the income is higher than stocks. Therefore, in the absence of certain experience, or ask professionals to help fry it.