Because age, annual family income and education level are closely related to residents' investment behavior, the following five financial portfolio models are proposed for reference according to the financial objectives of families with different ages, annual family income and education level. 1, low-risk stable income portfolio model: savings+insurance+bonds. Suitable for families under the age of 25, with an annual income of less than 50 thousand yuan and low education. Although such families are adventurous, their economic ability to resist risks is limited. They should lay a solid economic foundation for their future marriage and career, actively accumulate and learn, and enrich their financial knowledge. The goal of financial management is to obtain stable capital gains on the basis of ensuring the safety of principal. 40% of the funds can be put into the bank for a fixed period, mainly to meet large expenditures in the future; 10% of the funds to purchase life insurance accident insurance; 50% of the funds are used to buy government bonds or other fixed-income bonds. For this group, due to the small amount of funds and low anti-risk ability, it is suggested to choose ICBC's demand deposit or Tong Ling Express's open deposit, which can flexibly withdraw cash and facilitate better investment and financial management. 2. Low-risk income combination model: savings+insurance+ten bonds+funds. Suitable for families aged 26-45 with an annual income of less than 50,000 yuan and low education. The household savings of such residents have gradually increased, and they have a better understanding of financial management knowledge and the ability to take certain risks. The goal of financial management is to give consideration to both fixed income and capital appreciation. 20% of the funds can be put into the bank, and the living expenses can be used for children's education expenses or large items;