1. First, the reserve fund is about 5,000 yuan as the reserve fund. This reserve fund can be purchased and 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. Monthly balance of funds 1000 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 200 yuan is 18-30 years! It can be fully prepared for the future pension and children's education reserve fund. 400 yuan is left. You can buy insurance, which can be dividend insurance, medical insurance and old-age insurance! The premium is about 65,438+000 yuan (accounting for 65,438+00%-20% of the total income). The remaining 300 yuan funds can be accumulated in gold regularly, and 200 yuan can invest for a long time! The remaining 100 yuan can be reserved for petty expenses or travel expenses for regular travel! (Each fund can plan flexibly according to its own needs)