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[投资] 存款 1~5 万元有什么理财方式或者产品推荐吗？稳定一点的就行，不想老被借钱

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毕业刚一年，目前月薪 5500 ，存款刚过 1 万，但老有同事问我借钱，关键是说好发工资还的拖着拖着就总剩一点不还，我打算存个定期的理财之类的，这样也利率小一点也没事，稳妥为主，不太懂理财，求 v 友们指点

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