Nowadays, many insurance companies have introduced hundreds of critical illness insurance as long as they deposit a certain amount of money every month, and the insurance coverage is also very high. After saving enough years, the principal can be withdrawn. Now the living standard is getting better and better, the price is getting more and more expensive, and the medical expenses are getting higher and higher.
Although five insurances and one gold also include medical insurance, the reimbursement ratio is relatively low. If the head of the family really suffers from some serious disease, it is also a disastrous burden to the family. Therefore, serious illness insurance can not only be a guarantee, but also a habit of compulsory savings. In addition, you can also choose the method of saving money by installments. I don't think it is easy to get too high, about 5%, because the interest that can be obtained by this method of financing is not high, which can be counted as a sum.
However, if you persist for many years, you will get a lot of income. If there are children who don't go to school, they can choose the financial management method of education savings, and the ratio is 5% or 10%. If your child has started school, you should set aside about 15% as the education savings fund. I think you can set aside about 30% of the remaining proportion to buy national debt, because the working class is more important to ensure the safety of the principal, so there are more national debt.
Moreover, national debt is different from other wealth management products, with a purchase quota of more than 50,000 yuan, which can be purchased in bulk. I think the rest should be invested in self-appreciation, because knowledge is also a wealth.