You can deposit 30% of your money. Generally, 1 year is the best, because the bank keeps raising interest rates. If you save it for too long, you will lose.

30% make long-term fixed investment or buy long-term closed-end funds. This share must be insured first.

Insurance is not an investment. You can't earn a few cents, but it's a guarantee and you must buy it. Many people have been calculating how much money can be earned by various insurances. Forget it, it's not from the insurance company. This is the guarantee of life, don't regard it as an investment.

Of course, 40% is speculation in gold, foreign exchange or other investments.

The above are my personal suggestions ~ for reference only, I hope to help you a little.