The following is my own opinion.

First, your annual income is 230,000 and your savings is 200,000, which means that you will have more than 400,000 by the end of the year. Round off 400,000 yuan here, because as you said, I will take the bank interest and the odd change as your living expenses. Your planned expenditure at the end of the year is 200,000 yuan, so you will have a surplus of 200,000 yuan at the end of the year, but there will be some expenses at the end of the year, so I suggest you not to make any investment this year, because of the liquidity of any wealth.

This is what happened after you got married.

2. Insurance

I suggest that your investment in insurance should be 65,438+0/3 after removing the necessary expenses. If you are insured, medical insurance and personal insurance will account for 80% of your insured amount, and the remaining 20% will be used as old-age insurance. Needless to say, most people may think that this ratio will be a bit large, but it is a guarantee for the future, that is, a guarantee for your future living conditions. As for the old-age insurance, because of its high rate of return, and the general old-age insurance is linked to the minimum guarantee of the government, even if there is extreme inflation, the old-age insurance backed by the government credit in China can at least guarantee your living standard.

Three. investment

I suggest you buy some blue chips and put them there, because the risk of the fund is not insurance, and it may even be greater than your own investment. Here is a Sichuan Maotai I recommend (I didn't buy it purely), because it is the representative of high-end liquor in China. If you look at its whole market, you will find that it is strong even if the market is not good, because the market of high-end liquor has not changed much. If the economy is good, it will also be sent to Maotai, and its share price is very high. If you don't like this stock, I suggest that energy and military choose one and stay there. When you really want to use it, there will be a big surprise waiting for you.

Four kinds of deposits

It is recommended that your bank deposit account for more than 15%.

Because cash has the best liquidity, no one can guarantee that there will be no accidents.