You can spend 65,438+00% of family assets on daily expenses, 65,438+00% on family security, and buy some accident or serious illness insurance for yourself or your family. After all, life is impermanent, and this money can also be used for emergency, in case you meet passers-by one day. There is nothing wrong with saving a person's hand. Anyone can deal with the hospital. The remaining 80% will be used for bank financing or P2P. This part of the funds is mainly the money for capital preservation and appreciation. At present, few individual banks' wealth management products can reach 4.5%, and most of them are still around 4. Pay more attention to bank officials when you are free.

Financial information network. Net. A product has been issued, so grab it quickly. As for P2P, the annual income is between 6- 12%. To choose a good platform, there are many ways to choose a regular and reliable platform. The income is several times higher than that of bank financing. The risk is also relatively high.