A sum of emergency money: that is, money that may be used at any time. This piece can last for 3-5 months according to your family's monthly income.

The money doesn't have to be deposited in the bank. You can choose some money funds, such as Yu 'ebao, which can be saved and taken away. Similar to bank demand, but the income is higher than bank demand. The annualized rate of return in the last seven days can also reach more than 2%, which is similar to the two-year time deposit of the bank.

Of course, there are also money funds of other fund companies with higher income than Yu 'ebao. For example, the South Libao currency B in southern fund has been annualized to 3.03% in the last seven days, the Guangfa money bag of Guangfa Fund has been annualized to 2.56% in the last seven days, and the quantitative combination of "three currencies" of slow platform has been annualized to 2.86% in the last seven days, which is good for emergency life financial management. Of course, the transaction is not as convenient as Yu 'ebao, and you can choose according to your own needs.

A sum of money used to meet the short-term (six months to one or two years) potential money demand. For example, after a year, the family will change cars? Or do you want the whole family to spend their holidays abroad? Wait a minute.

This money can be used to buy some bond funds or portfolios, which need to be stable enough and have certain financial income competitiveness. For example, "I want steady happiness" under BOCOM Schroeder is actually a good choice. Basically, you don't have to worry about anything if you buy this combination, because there is a professional team in charge. If you want to change places halfway, there will usually be a notice. Just follow the notice. If you choose a platform with a fund investment license like wait a minute, you can even turn on the automatic car following function, and even the position adjustment will be automatically completed for you. It is more comfortable and simple to stay when you don't need money and sell it when you need money. In terms of income, the historical annualized rate of return of this portfolio is 7.3%, which is not bad.

The last sum of money is unlikely to be used for more than three years, such as pension money, education funds for children to go to high school and university in the future, funds for getting married and buying a house and so on.

This money can be used to invest in some equity assets, such as stocks, stock funds and index funds. These equity assets need to be held for a long time to hedge the risk of short-term fluctuations and pursue the maximization of investment return. If you still don't want to spend too much time and energy on investment, you can also choose some responsible big coffees and copy their homework.

At present, ETF, which is well-known and tested in the market and has enough personality and investment ability, saves the world. I think it is one of them. You can search Weibo first, pay attention to him, see his investment philosophy, personality, investment ability and so on, and then you can also see his users' evaluation of him, whether it meets your assessment criteria, and then decide whether to copy his homework.