As the saying goes, "don't put your eggs in one basket", which is not unreasonable, so is saving money, which should be divided into several aspects, one is the current period, easy to use with the take, and then a deposit of fixed-term, or to buy treasury bonds, and then there is a part of the financial management can be taken out, so that dispersed, you can greatly avoid accidental loss, but also may bring some benefits. It may also bring some gains.

I hope to help you.