Answer: Based on your situation, you should first complete social pension and medical insurance. On this basis, if you have the ability to pay, you should then complete appropriate protection insurance types.

You cannot simply compare insurance and other investment tools based on the rate of return, because the main function of insurance is protection. For example, purchasing commercial pension insurance can play the role of forced savings, earmarked funds, compound interest appreciation, etc. In the long run, you can accumulate a lot of money for yourself.

Pension.

For modern people, they need to choose a variety of pension tools. Social pension is the foundation, and commercial pension, fixed investment funds, etc. are supplemented. Only in this way can they live a high-grade retirement life.

Answer: Fixed investment funds cannot affect the normal living expenses of the family. If the income is stable, generally, the fixed investment should not exceed 30% of the monthly balance. The type of fixed investment should be selected based on the financial management goals, fixed investment period, etc. You can provide fixed investment for your children through fixed investment

To accumulate education funds or pension funds for a couple, if the investment period is long, ETF index funds can be the main ones.