1. First of all, the reserve fund is about 1 0,000 yuan. This reserve fund can be used to buy money funds and can be fully utilized. The money fund has good liquidity and short redemption time, so it can be used reasonably. (Interest rate is higher than demand deposit)

2. You can buy several funds, including 50% stock-based hybrid bond fund, 40% stock-based fund, 10% hybrid fund and bond fund (understand the fund types first and adjust the fund according to the plan! Proper management can increase your wealth)

3. Remaining funds 1500 yuan! You can choose a fixed investment fund. You can choose 3 funds, which can be index funds or hybrid funds. The continuous fixed investment time in 300 yuan is 18-30 years! It can be fully prepared for the future pension and children's education reserve fund. 600 yuan is left. You can buy insurance, which can be dividend insurance, medical insurance and old-age insurance! The monthly premium is about 100 yuan (10%-20% of the total income). The remaining 500 funds can accumulate gold regularly, and 300 yuan will invest for a long time! The rest of 200 yuan can reserve pocket money or travel expenses to travel regularly! (Each fund can plan flexibly according to its own needs)