1, personal bank. It refers to the financial management method that individuals study how to invest in and buy funds, funds, bonds and other products designed by banks in order to obtain the maximum income. 2. Personal securities financing. How to invest in the securities market, buy and sell stocks and securities investment funds according to law, and get the maximum income? 3. Personal insurance financing. How do individuals buy all kinds of insurance, such as children's insurance, family insurance, health insurance, endowment insurance, major illness insurance, accidental injury insurance, dividend insurance, investment-linked insurance, travel insurance, group insurance, etc. To increase the safety risk factor of the case. 4. Personal foreign exchange management. Personal foreign exchange trading, also known as "foreign exchange treasure", refers to the business that banks directly convert one foreign exchange into another for domestic residents with reference to the exchange rate in the international foreign exchange market. In other words, individual customers conduct freely convertible foreign exchange (or foreign currency) transactions in banks. Personal foreign exchange transactions are generally divided into firm offer and false offer (margin). 5. The so-called personal trust refers to the act that the trustor (natural person) transfers his property right to the trustee (trust institution) for the purpose of property planning, and the trustee manages or disposes of the trust property for the benefit of the beneficiary or for a specific purpose according to the original purpose of trust deed. Personal trust can be divided into living trust and testamentary trust according to the time of establishment. A living trust was established when the principal was alive, and its trust purposes include property planning, property appreciation and tax consideration. A testamentary trust is established in the form of a will, and its effective date is the distribution and management of the estate when the client inherits the facts. Personal trust centers on all kinds of property rights, and entrusts the assets under its name, including currency, marketable securities, real estate, etc., to the trustee (trust institution), and carries out various management and application according to trust deed, so as to achieve the predetermined trust purpose. Because the content of personal trust is highly flexible and confidential, the client can also maintain control over the trust property. Through proper planning, the trust property will not be affected by the death or bankruptcy of the client, and at the same time, it can enjoy the professional investment control of the trust institution, which is beyond the reach of other single financial goods or services. 6. Personal tax planning. When individuals' income channels and ways of existence of property are diversified, it also leaves room for tax planning for individuals. In accordance with the relevant provisions of China's personal income tax collection, the monthly housing provident fund is deducted before tax, which means that the housing provident fund is not taxed. The management method of provident fund shows that employees can pay supplementary provident fund. In other words, employees can reduce the total wages by increasing the housing provident fund, thus reducing the personal income tax that should be paid; Investment in duty-free products is at the bottom according to the current savings rate. However, if there are conditions, education savings are relatively cost-effective, and you can enjoy two major benefits: the interest income of personal education savings deposits is exempt from personal income tax; As a zero deposit and lump-sum withdrawal deposit, education savings enjoy preferential interest rates for lump-sum withdrawal. Residents who purchase insurance can enjoy three major tax benefits when purchasing insurance: First, the medical insurance premiums paid by enterprises and individuals to designated financial institutions according to the proportion stipulated by the state or local governments are exempt from personal income tax, regardless of their current wages and salary income. Second, because insurance indemnity is to compensate for personal accidental and unfortunate losses, it does not belong to personal income and is exempt from personal income tax. Third, medical insurance premiums, basic old-age insurance premiums and interest income from unemployment insurance funds deposited in personal bank accounts according to the proportion stipulated by the state or provincial local governments are also exempt from personal income tax.