Financial management is not just about how to allocate 10,000 yuan. It needs to be combined with your short-term planning and long-term planning. Take a look at this article: Four steps of ordinary family financial management and five types of portfolio investment "one-point method" ” - Suitable for poor families. Choose cash, savings, bonds, and loans as investment tools. Loan investment is the latest investment method. Through borrowing, you can earn interest income with low risk and high returns.

Investment “dichotomy” – low-income earners. Choose cash, savings, bonds, and loans as investment tools, and then consider purchasing a small amount of insurance.

The "three-thirds rule" of investment is suitable for those with low but stable income. You can choose 35% cash and savings or bonds, 40% real estate, 5% insurance, and 20% borrowing.

The "four-point method" of investment is suitable for those with higher income, but weak risk awareness, lack of professional knowledge and spare time. Its investment portfolio is: 20% cash, savings or bonds, 35% real estate, 5% insurance, 20% investment funds, and 20% borrowing

The "five-point rule" of investment - suitable for Those with strong financial resources. The investment ratio is: 10% cash, 20% savings or bonds, real estate 25%, insurance 5%, investment funds 20%, stocks and futures 20%.