Look at the income first: (5000+1800+600) x12+6000 = 94800 yuan (annual household income).

Expenditure (3000+1000) *12+5000 = 53000.

Household surplus 4 1800 yuan ~

As the known deposit is 654.38+10,000, I suggest that 5.5% should be fixed deposit of more than 5 years (50,000), 5-6% should be bank financing (about 1 year), the annual income of the provident fund should be 3.5W, and the balance should be 10W. . .

Every year, my personal opinion is a fixed investment of 3,000 yuan, which is about 6% annualized interest.

Residual annual income 1 1800~ T+0 monetary fund first ~ annualized income is also 4-5%.

So the annual interest is about 8000 yuan ~

This is a steady type ~ If you go too far, I personally think it is ok to keep 5W deposit, and all the rest will be made into stocks or stock index futures ~

Moreover, you can use the provident fund (about 17-20W after 2-3 years) to invest in individual houses that can not be purchased in surrounding cities, add another house and increase fixed assets. . . .