1 Fund regular investment: If there is no risk, you can invest regularly in money market funds, purely for saving money. 2 Zero deposit with lump sum withdrawal: saving a few hundred yuan monthly, this method is also very good. 3 Bank fixed deposit: each month, save a fixed balance of a few hundred yuan into a one-year fixed deposit (self-determined term). This way, you will have one deposit certificate each month. After one year, combine the first matured deposit certificate with the current month's few hundred yuan to re-deposit for another year, and so on. This lets small money roll into big money. The above three types are already the most appropriate financial tools. Of course, you can also use the few hundred yuan to buy welfare lottery tickets like the Double Chromosphere each month. If you don't win, consider it a donation. If you win, congratulations, this is much faster money than investing. But be practical: the lottery is not easy to win, and the money spent is gone. Among the three above, fund regular investment is the best.