1. If not, I suggest you make some investments, otherwise your purchasing power of 480,000 yuan will shrink due to inflation.
2. Do a good job in risk management, and suggest to build a reasonable security system for yourself and your family, and improve life insurance, accident insurance and medical security. The investment amount is 10% of the annual income, and the guarantee amount is 10 times of the annual income.
3. Think about whether you have any financial goals, such as going to school, buying a house and retiring. If there is such a demand, think about how long it will take to achieve these goals according to the distance. It is suggested to establish funds in different categories, such as retirement funds and children's school funds, and then use different tools to achieve these goals. Similarly, simply keeping them in the bank will not help you keep the value of assets, let alone increase their value.
If your 480,000 yuan needs to be used for other purposes in 3-5 years, I suggest you do some conservative tools, such as buying government bonds and time deposits.
5. Any margin foreign exchange futures are not suitable for everyone, so be cautious.
Of course, less risk means low income, which is a contradiction in itself. It is suggested to make it clear first, whether it is income or risk avoidance.