First, in the bank deposit, the emergency reserve of 30,000 yuan can be deposited as a notice deposit and can be used at any time; The time deposit is 70,000 yuan, which is used for children's annual education expenses and school selection expenses, of which 30,000 yuan is saved for one year and 40,000 yuan for three years.

Two, three-year national debt of 50 thousand yuan as an education fund; Five-year national debt is 654.38+10,000 yuan as pension reserve.

Trust products for infrastructure projects with a subscription period of 2-3 years of 32,000 yuan can be used as parents' support investment, with an expected annual income of 5%.

Four, the total investment fund is 654.38+ten thousand yuan, and the education fund can choose the allocation fund with relatively small risk, such as Baokang Consumer Goods Fund. Because of its long term and strong risk tolerance, pension can be matched with some equity funds, such as Morgan China Advantage Fund. The average return rate of the fund is expected to be 9.06%.

Five, the stock investment decreased to 654.38+ten thousand yuan, as the risk income growth point.

6. The whole family invests about 20,000 yuan in insurance every year. Mr. Zhou insured personal accident insurance, critical illness insurance and term life insurance; Mrs. Zhou should take out personal accident insurance, critical illness insurance and old-age insurance because she has no unit guarantee; Buy child insurance for my son.

It's just a brick that likes to make suggestions.