Recently, the stock market has been experiencing fluctuations and consolidation. A central bank report shows that there has been a certain degree of reflux in residents' savings, with some investors transferring their stock market funds into current account savings at banks. However, the current interest rate for current account savings is less than 1%, and during the most recent interest rate hike, the interest rate for current account savings was actually reduced. Therefore, how to manage cash effectively requires careful consideration by investors.