Foreign exchange gold is a risky investment with high risk and high return. You can plan your own funds and invest in low-risk markets and high-risk markets respectively. I suggest that you invest 60% in long-term and stable investments, such as blue-chip stocks, government bonds or insurance, and the remaining 40% in high-risk and high-yield investments, such as gold, futures and foreign exchange. You'd better not buy stocks, because the market in China is not standardized.