Types of personal wealth management products: according to the risk, they can be roughly divided into high-risk wealth management products such as funds and government bonds and high-risk wealth management products such as stocks, gold and futures.

There are three types of investment and financial management: bank securities insurance.

Common securities include stocks, bonds, futures and funds.

Excluding daily expenses according to income, 20% is deposited in the bank, 70% is invested, and 10% is insured.

Investment: Generally, investment risks can be adjusted according to psychological endurance, such as people under 40 years old.

60% do high-risk and high-yield wealth management products, such as stocks, funds, gold, futures and so on. 40% buying government bonds is less risky.

Insurance: First, critical illness insurance, followed by accident insurance, life insurance, and finally dividend insurance such as pension and children's education. If you have social security, you can reduce a certain proportion and buy some commercial insurance as a supplement to social security.