(1) cash planning: cash demand savings (to meet daily expenses and short-term needs) and short-term investment and financing (to meet unexpected expenses in emergencies). Gold has extremely high liquidity and value stability, and is suitable as a cash planning tool.

(2) Consumption expenditure planning: housing consumption, automobile consumption, credit card consumption, personal credit consumption and children's education consumption. The recoverability and value stability of gold enable families to consume jewelry while meeting the demand of realizing through pawn, sale and pledge.

(3) Education planning: Broad planning can cope with children's different choices in the future, and the surplus can be used for old-age preparation. Education expenditure planning should be matched with corresponding insurance planning to prevent the interruption of education reserve due to insurance accidents, and pay attention to early planning.

(4) Risk management and insurance planning

(5) Investment planning: investment in gold, investment funds (stocks, bonds, funds, real estate, artworks and antiques), direct investment enterprises and equipment.

(6) Retirement and pension planning: guarantee the quality of life and resist inflation. Holding ordinary currency is difficult to face rising prices, and holding gold is difficult to offset inflation and hedge.

(7) Property distribution and inheritance planning: trust, notarization, will, life insurance trust and gold.

It is a good choice to invest in gold according to the current market.