Handle lump-sum deposit and withdrawal business in the bank, with a fixed monthly deposit of 1 0,000 yuan for 5 years. Remember to deposit and not withdraw, and you can get the principal of 90 thousand in five years. Every month, 500 yuan will invest in stock funds or index funds for 20 years (investment is risky, please be prepared for losses before investing), and the principal and income can be calculated as 2083 15.55438+0 yuan, with an annual yield difference of 5%; The emergency reserve fund is kept in the "lump sum deposit and withdrawal" business of 500 yuan Bank for 3-6 months every month, and can also be invested in money funds or bond funds for unemployment, illness, family emergencies, etc. You are not allowed to use it at will. If you don't use this money within five years, you can get a current deposit of 30 thousand. Stock funds and index funds have high returns, but the relative risks are also large, and the probability of loss is large; Money funds and bond funds have low risks and can be used flexibly, with annual returns higher than demand deposits.