The scheme is as follows:

1. First, reserve a reserve fund of about 1, yuan as the reserve fund, which can be used to buy the money fund and make full use of it. The money fund has good liquidity and short redemption time, so it can be used reasonably. (the interest rate is greater than the demand deposit)

2. How many funds can be purchased, including stock-based hybrid bond funds with an investment ratio of 5%, stock-based funds 4%, hybrid funds 1% and bond funds (first, understand the types of funds, and adjust the funds according to the plan! Proper management can increase your wealth, reserve wedding reserve fund or house delivery down payment)

3. The monthly surplus fund is 2 yuan! You can choose fixed investment funds. You can choose 3 funds, which can be index funds and hybrid funds. The time for each fixed investment in 4 yuan is 18-3 years! Can be fully prepared for future pension and children's education reserve fund. 8 yuan is left. You can buy insurance, which can be dividend insurance, medical insurance or endowment insurance! The premium is about two people per month (accounting for 1%-2% of the total income), and the remaining 6 funds can be regularly accumulated in gold and 3 yuan for long-term investment! The rest of 3 yuan can reserve petty expenses or travel expenses to travel regularly! (All funds can be flexibly planned according to their own needs)