personal finance: what are the tools? Bank deposits, Alipay, WeChat change pass, insurance, funds, bonds, stocks, real estate, etc.

These can be used as financial management tools, and how to allocate them is a problem.

The landlord said to be more stable, but in essence he didn't want any loss of money. Therefore, I personally suggest that you deposit money in the bank, put some in Alipay and WeChat, and then buy a portfolio insurance. Why do you want to do this?

it must be the best if you are healthy. Your own money is definitely the safest. What if there are risks? Especially in the case of accidents and diseases, it ranges from tens of thousands to hundreds of thousands, even if it is reimbursed, you have to bear the rest yourself.

if you can resist risks, then deposits, bonds and fixed investment of funds are good choices, plus portfolio insurance.

Of course, buying is more important for insurance. If you buy it wrong, it will be a burden for what is at present, except money.

I hope it helps you.