Provide social security and medical insurance for yourself and your family first, and then provide critical illness insurance and accident insurance on this basis, so that your family's insurance protection is sufficient.

2. Liquidity

According to the average monthly expenditure of individuals or families in the past six months, put this amount of funds in the monetary fund, and those with securities accounts can also consider reverse repurchase of government bonds. To cope with some unexpected expenses!

Of course, don't follow the script, it depends on your personal situation. If you and your lover are both working, your family's income and expenditure are very stable at ordinary times, and you can stay for three times. If you have many credit cards and abundant cash flow, you can leave less cash around, but if you are in business and cash flow is tight, you can leave more cash around!

3. High wave income

Take out about 20% of this money and invest in stocks or funds. Almost 1.2 million. If you can study the company's financial report and research report, it is best to work hard on one or two stocks or several industry funds, but you should be prepared to hold the money for three years or even longer after investing.

If you don't have that much time and energy. You can choose to invest in several broad-based index funds! Better suggestions are to invest in CSI 300, Standard & Poor's 500, subordinated debt funds and quantitative hedge funds. According to the proportion, and according to the individual situation, we will make diversified allocation across regions, industries and currencies.

4. Bottom cabinet

Take out 40% of the funds to buy some sound financial management! If you are still as energetic as you said before, you can consider bank financing, annuity dividend insurance, pure debt funds and so on. You don't expect high returns, as long as you can beat inflation. The most important thing is to be slow and steady-say the important things three times!

If you don't have the time and energy, you can consider putting this almost 240 thousand into a small apartment with good location, pay the down payment, and then mortgage part of it to the bank for investment!

The above content was originally written by Wu Peng. If you think the content is reasonable, please like and pay attention. Bian Xiao thanked you first!