First, check your personal balance sheet and list your assets and liabilities on it. Diagnose your financial situation and see how much your assets are, how much your liabilities are, and what the proportions are. If all insurance is not complete, there are risks.

Whether you can bear it when the time comes, how much cash you have in hand, the proportion of assets, how much you spend every month, how much you can save, etc. Then look at your life plan, such as whether you want to buy a house within 3 years, etc.

, do you want to have a child (or do the child want to study abroad), do you need to prepare the child’s education fund, are your parents healthy or sick, etc. Then analyze your risk tolerance, based on your age, family, and income expectations.

After waiting to see what type of investment is suitable for you and how much risk you can bear, the final step is to make a financial management prescription based on the above diagnosis.

It’s nothing more than how assets are allocated.

Since it is an exam question, you should talk about how to combine it in all aspects such as insurance, funds, stocks, real estate, cash, bonds, bank financial products, foreign currencies, etc.

It doesn’t matter how you combine it. The key is to see if you have thought of it. The Bank of East Asia is a foreign bank. If I give you 5 million, what foreign exchange products do foreign banks often sell? What are the structured financial products for investing overseas?

Products linked to commodity futures are all nonsense, but you should add them to your portfolio.