article source: China Ping An is facing the upcoming marriage life. You have three advantages as a quasi-full-time employee: 1. You don't have to support your parents for the time being, let alone save money for your children; 2. Willing to try new changes. Before marriage, you were mostly liberal and dared to try new things; 3. Have a certain risk tolerance. Although you don't have much savings when you first enter the workplace and life, your psychological tolerance is very strong. You are very willing to invest within the acceptable funds. However, you also have a relatively weak place, that is, you have no experience and invest blindly. In fact, for quasi-full-time, your investment planning is very simple, and you can divide the funds into four parts, namely the 4321 law. Investing 4% of assets in risky products such as funds, stocks and gold can get higher expected returns and realize the initial accumulation of wealth. Of course, this is also a risky investment. 3% of assets will accumulate down payment funds for future long-term plans such as house purchase and car purchase by means of regular quota (for example, buying bonds, the risk of which is second only to savings, which is generally divided into three-year, five-year and ten-year periods, etc.); 2% is used for bank deposits, money funds or short-term wealth management products in case of emergency, which can be flexibly mastered; 1% is used for supplementary insurance for accidents or diseases (insurance is essential, you can increase your investment in insurance according to your personal conditions, and you can also buy some dividend insurance). The new marriage law stipulates that the premarital property of one spouse belongs to one spouse, and the insurance with the designated beneficiary as one spouse, and the final benefits are the personal property of one spouse, not the same property of the husband and wife. If the marriage changes, the insurance proceeds will belong to the individual. As a stay-at-home wife, you should establish enough risk protection, and buy sufficient major illness insurance, accident insurance and life insurance for yourself, among which medical care and old-age care are the key. You should make great efforts to invest in protection, so as to avoid at least risk protection once the family situation changes or suddenly changes, and the living standard will not decline sharply. I suggest that you, a stay-at-home wife, put your own insurance first, and then consider other venture capital. Trilogy: Full-time wives, even full-time quasi-full-time, already full-time wives, will face the problem of planning the same property. The Marriage Law stipulates that the husband's salary, bonus and income from production and operation after marriage are still owned by the husband and wife, so it requires the full-time wife to master the property owned by the husband and wife and make financial planning, so as to fully control the family's economic lifeline and preserve and increase the value of the husband and wife's property. In family financial planning, you can first understand what kind of investment you or your family are and what risks you can bear, and then make your own financial investment plan according to the different situations of individuals and families. If you don't know much about yourself, you can go to Ping An official website for a standardized financial management test. For the general family that pays attention to security and has weak risk-taking ability, it is suggested that you plan as follows: 1. Savings account for 3% of the total assets (savings may be the financial product you are most familiar with, and its most obvious feature is high security and high liquidity, which is suitable for investors with low risk appetite); 2. Bonds account for 2% of the total assets (national debt is a low-risk product second only to savings, which can obtain relatively stable income. Generally, there are three-year, five-year and ten-year categories, and you can choose it yourself); 3, the fund accounts for 2% of the total assets, (the fund is a product with a moderate degree of risk and yield. The average family can choose. Some funds provide regular fixed investment services, which is very convenient for the accumulation and management of funds); 4. Insurance accounts for 2% of the total assets. (There are many types of insurance, and security insurance can provide various guarantees for your life, while investment insurance can provide a stable return on investment and make your life more happy); 5. Stocks account for 1% of the total assets (stocks may bring you a higher return on investment, but their risks are also greater, which is less important for conservative investors). 6. As a quasi-full-time and full-time wife, you should not only protect your rights and interests, build your own security system, but also do a good job in family financial planning and emotional investment.