1. Use the living provident fund to support the house. At present, the provident fund can only be used through house purchase and large-scale construction. It is suggested that you can consider buying a small apartment for investment, with a total price of about 3, yuan, and use the current deposit of 1, yuan for the down payment. The rest of the couple can use the provident fund loan. If the loan period is 3 years, they can use the provident fund to repay the mortgage every month. In the future, renting out the house will be a stable cash income.

2. Rational allocation of assets, so that wealth does not depreciate. Because the young couple have a strong risk tolerance and a more radical risk preference, according to the current market situation, it is suggested to allocate assets reasonably for investment in addition to keeping enough emergency reserve funds necessary for family life for 3-6 months. If the stock with a market value of 5, yuan in hand lacks investment value, you can consider reducing your holdings and investing in stock funds, which are managed by experts, and it is more likely to win the market. It is recommended to choose funds under the fund company with strong investment and research ability and stable performance.

3. Gather sand into a tower, and the water will flow long. The family has just been established, and the family assets are in the accumulation stage. It is suggested that the expenditure budget should be arranged well, and a household income and expenditure account book should be established, so that both husband and wife can master the monthly financial income and expenditure and know the family's economic income and expenditure fairly well through bookkeeping. At the same time, the monthly surplus funds will be invested in the form of fixed investment, and index funds and stock funds can be selected.