The essence of insurance is protection. Invest in insurance at 10%-20% of the family's annual income, and guarantee it to be 5- 10 times of the annual income. The order of family financial planning is: security-medical care-children's education-pension-financial management. As for which insurance product to choose, it depends on which one you are most worried about, such as being afraid of getting sick, such as educating your children, or having no source when you are old. . . Besides, what is your family's goal? How is your family's ability to resist risks? According to different risk tolerance, choose different funds or stocks or futures or gold or foreign exchange. It is recommended to talk openly with the financial planner about the specific situation at home.