You have too much cash and it is not circulating, which is extremely unreasonable for family financial management. The most important thing now is to plan this part of the funds:

1. Leave enough family emergency fund. My suggestion is 30 thousand yuan. Too much deposit in the bank is equivalent to depreciation ~ ~ if appropriate.

1. The monthly income of Mr. and Mrs. Wang is 4,400 yuan, and the monthly repayment of the house accounts for about 75%. It is suggested that 350,000 of the cash be repaid to the mortgage in advance, and the remaining mortgage is 230,000, which will be repaid in 20 years, about 1 1,000 per month. The family burden is much reduced! !

2, because the child is about to be born, it is necessary to prepare the child's birth expenses and future education expenses. It is suggested that 30,000 yuan be used as the expenses of the baby at birth (milk powder, diapers, full moon wine, clothes, etc.). ). In addition, take out 6,543,800 yuan from the cash as the starting point of the children's education fund, and then make a monthly investment in 500 yuan, so that your children can receive a good education in the future!

3. There is no family protection plan. It is suggested that it is necessary to know about relevant insurance products and purchase life insurance and accident insurance for children. (I'm not sure about this part. I'm now working as a clerk in an insurance company, so I can consult if necessary.) The monthly expenditure is about 1000- 1500 yuan.

4. The remaining funds can be considered as gold spot investment. I also work as a financial consultant in an investment company. You can ask me that. )

Note: It is not recommended to enter the stock market at this stage. The country has launched stock index futures and margin financing and securities lending, and the market direction is unknown. Moreover, national policies have suppressed real estate, which is a first-line enterprise with many downstream enterprises, and is not suitable for novices to enter the market.