Because you gave me less information, I can only briefly talk about my suggestion.

I can see that you are very filial, and your situation should be younger.

First, buy an insurance policy. The amount of insurance can protect the life of yourself and your parents in the event of an accident, so you can buy annual insurance, with low premium, you can get a higher amount of insurance, keep a part of working capital, and better cover your three-month expenses. Of course, in addition to cash and bank demand deposits, this part of the working capital can get better returns by using financial tools such as money funds, and the risk is extremely low. If I use my university professor, it can be basically ignored, but it is 2~5.

Then use it for investment. You should have your own investment goal, when to reach how much money, what to do with it, what risks you can bear and what the biggest loss you can bear, so as to start your investment.

You can learn about the financial products you invest in, such as funds, stocks and bonds, and their risk and return levels. Of course, it is best to diversify funds, which can reduce risks and ensure a certain income potential. You can work out the specific distribution according to your own situation.

I hope it helps you.