The COVID-19 epidemic and the resulting economic crisis are not only endangering our health but also seriously harming our social welfare. A large number of Americans, including many colored people, immigrants, and low-income workers, not only risk their lives to work during the high incidence of the epidemic to maintain their basic income but also play a fundamental role in the operation of this society. Since the outbreak of COVID-19 at the end of 2019, nearly 10 million people have lost their jobs, of which more than 40% have been unemployed for half a year or more. When unemployment becomes the general environment, we should not hold our money firmly, which will eventually lead to our own bankruptcy. Especially in today's society, when it is difficult to receive government relief funds and social welfare cannot be guaranteed, it is imperative to obtain part of the capital income safely and healthily on the premise of maintaining their own safety. At this time, we are faced with a new problem, that is, how to make money without leaving home.

It is impossible for us to trap the White Wolf with nothing, let alone plan to stay indoors. You may have said that you can do a lot of online work now. Of course, this is an option. The benefits of paying brain power and time and energy costs will cost you a lot of energy, and you cannot quickly complete the capital accumulation. If you want to invest in a short time and find a place to keep cash, you can only have enough funds to deal with particular situations. As COVID-19 has not ended for a long time, the turbulent market has led to an economic downturn, and many conservative people who left money in their hands have to face the problem of inflation. So the choice of short-term investment or long-term investment is the next problem we need to meet. We all know that short-term investment is an investment that can minimize risks, but the long-term investment is the most likely one to obtain high returns. On the premise of ensuring sufficient principal, we need to pay attention to whether we can ensure that we have cash when we need it rather than hedging risks. Therefore, when choosing investment types with low risk and short duration, we should pay attention to security. So, what is a short-term investment? What is a short-term investment?The time range is basically within three years. It is not like a stock. In fact, the risk of the stock market requires you to joke for a longer time. If you plan to see the return in a short time but choose to buy stocks, you can hardly hedge against the volatility of the stock market. This will lead to the possibility of the loss of your principal.

COVID-19 is not a short-term battle in its current form, so it is not the best preparation to keep money in hand. In this general environment, it is the best time to calmly learn how to manage money and how to make capital growth. Don't waste such good opportunities.

（Writer：Frid）