For the expenses that may be needed at present, such as the money for a friend's wedding, travel preparation expenses, etc. This part of the expenses can be put into the balance treasure of Alipay, because the time is short and the predictability is strong. Although the expected return is relatively low, it can far exceed the current interest of the bank during the same period, mainly because it is safe and flexible.

2. Fixed investment of the fund

Fund investment is a kind of collective asset management plan. It is only to make up for the lack of professional knowledge by handing over funds to professional investors. However, when choosing funds, you need to make careful choices according to your own risk tolerance and reference to the historical investment performance of funds. Invest 40% of your savings every month to buy a suitable good fund.

3. Commercial support insurance

The moon is full of rain and shine, and people are doomed. Although white-collar workers may already have social security, social security is only the most basic guarantee. You can spend a little money to buy matching commercial insurance.

4. The bank's regular financial management is still in the baby category.

This way is safer, but the biggest feature is that there is no interest or the interest is extremely low. In this case, if you save 1 140000 for 30 years, you need to save 38000 every year and more than 3000 every month. Of course, it is more cost-effective to save the baby's financial management, because the baby's financial management income is higher.

Monetary fund is an open-end fund that collects idle social funds, is operated by fund managers and kept by fund custodians. It specializes in investing in low-risk money market instruments, which is different from other types of open-end funds. It has the characteristics of high security, high liquidity, stable income and "quasi-savings".

From the early 1970s to the 1980s, the United States was in a "stagflation" environment of economic recession and high inflation. At that time, the Federal Reserve controlled the interest rate of bank deposits, the interest rate of residents' deposits was lower than the inflation rate, and deposits were always in a state of depreciation. In order to attract funds, banks have introduced certificates of deposit with interest rates higher than the inflation rate. However, the initial deposit amount of this time deposit certificate is relatively large, and the minimum investment unit is often one hundred thousand or one million dollars. Only a few institutional investors have enough cash to make such investments.

The assets of the Monetary Fund are mainly invested in short-term monetary instruments (generally within one year, with an average term of 120 days), such as treasury bonds, central bank bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities.