1. First of all, the risk of deposits in banks is minimal, but the rate of return is far behind the inflation rate, so it is impossible to preserve the value.

2. The physical investment risk of gold is slightly higher (mainly stolen and robbed), and it can be used to fight inflation. It is too easy for the price of gold to reach 400. June 2008 +065438+ 10 When the price of gold was around 220 yuan, can it be expected to rise to 330 yuan in two years?

3. According to the situation that you don't need this fund for a long time and want to get the lowest risk and the highest income, it is suggested that 40% invest in gold and 60% invest in conservative funds, so as to achieve an annual income of more than 7%.