Among them, the long-term currency is defined as a fund that can be allocated for more than three years, which is more suitable for the allocation of Public Offering of Fund's volatile varieties, matching the index fund investment plan "Long Win ETF Index Investment Plan" and the untimely strategy of investors' strict withdrawal "Chunhua Qiushi". A stable currency is defined as a fund with an expected service life of six months to three years. The matching strategies are the combination of "I want stable happiness" provided by Bank of Communications Schroeder Fund, the combination of "southern fund has a good dream" and subsequent supplements, such as the enhancement of the fixed income of Huaxia Fund Marathon. Living money is a daily expenditure fund that can be accessed at any time, and it is borne by the monetary fund. The strategy is "three excellent currencies" combination. Insurance protection is used to avoid possible diseases and unexpected risks in the future, in line with the "insurance service" strategy.