investment and financial management needs depend on your financial management objectives. For example, different financial management objectives such as pension, security, investment, compulsory savings and emergency have different needs such as liquidity, capital security, income and term, which are suitable for different financial management products. Considering that your current demand deposit has basically met the requirements of emergency reserve, you need to consider your security needs and recent large expenditure plans (such as getting married, buying a car, traveling, etc.) before choosing a fixed fund for financial management. After these expenses have been paid, the remaining funds will belong to your monthly idle funds and can be used for compulsory savings and investment. In this part of idle funds, you need to determine the investment proportion according to your risk preference. If you are radical, you can bear higher risks in order to obtain higher returns. You can consider allocating more partial stock funds, while if you are moderate, you can consider allocating more deposits, bank wealth management products and bond funds.

funds invested in high-risk investments such as stocks and stock funds should not account for an excessive proportion of assets. Please refer to the "8 Law", which means that the reasonable proportion of stocks in total assets is equal to 8 minus age, and then a percentage sign (%) is added. For example, at the age of 3, you can invest 5% of your assets in stocks, and the risk is acceptable at this age, while at the age of 5, it is appropriate to invest 3% in stocks.

according to the above allocation method, long-term fixed investment can be considered in this part of assets that want to be allocated to partial stock funds. Index funds and actively managed stock funds are the most suitable, and the hope of obtaining average market returns is greater. Harvest CSI 3 and E Fund SZSE 1 can be considered for index funds, and Huaan Manulife, Huaxia Dividend, China Renaissance, China Return, E Fund Value Selection and Industrial Trend can be considered for actively managed partial stock funds.

It should be noted that the investment period is long, and it is inevitable that there will be a big bull-bear market transition during the investment period. Long-term investment does not mean holding still, but also needs to be adjusted according to market trends, such as reducing investment risks as the market rises, profiting in time when the market moves to a higher range, and increasing investment amount after a large-scale market correction. You can consult on the operation strategy of the market outlook on a regular basis, without being too frequent, but quarterly. In addition, it is also necessary to pay regular attention to the performance of the funds held (such as quarterly and semi-annual attention). If its performance continues to decline without improvement, you can consult whether it needs to be replaced.