Investment and financial management needs to depend on your financial management goals. Different financial management goals such as pension, security, investment, forced savings, emergency, etc. have different needs for liquidity, capital security, income, term, etc., and are suitable for different financial management products.

Considering that your current current deposits have basically met the requirements for emergency reserves, before choosing fixed fund investment for financial management, you also need to consider your protection needs and recent large expenditure plans (such as getting married, buying a car, traveling, etc.)

, after all these expenses have been carried out, the remaining funds belong to your monthly idle funds and can be used for forced savings and investment.

Among this part of idle funds, you need to determine the investment proportion according to your risk preference. If you are more aggressive and can withstand higher risks in order to obtain higher returns, you can consider allocating more stock funds. If you are more conservative, you can consider allocating more deposits,

Bank financial products, bond funds, etc.

Funds invested in high-risk investments such as stocks and stock funds should not account for an excessive proportion of assets. You can refer to the "80 rule", which refers to the reasonable proportion of stocks in total assets, which is equal to 80 minus age, plus a percentage sign (

%).

For example, if you are 30 years old, you can invest 50% of your assets in stocks, and the risk is acceptable at this age, while at the age of 50, it is appropriate to invest 30% of your assets in stocks.

According to the above allocation method, among the assets that you want to allocate to equity funds, you can consider long-term fixed investments. Index funds and actively managed stock funds are the most suitable. They have a greater hope of obtaining average market returns. Index funds

You can consider Harvest CSI 300 and E Fund Shenzhen Stock Exchange 100. For actively managed partial stock funds, you can consider Huaan Manulife, China Dividend, China Renaissance, China Return, E Fund Value Select, Industrial Trend, Industrial Social Responsibility and other long-term historical performance outstanding.

Fund products with strong comprehensive strength of fund companies.

It should be noted that the investment period is long, and it is inevitable to encounter major bull and bear market transitions during the investment period. Long-term investment does not mean holding on to it. It also needs to be adjusted according to market trends, such as reducing investment risks as the market rises.

, make timely profits when the market moves to a higher range, and increase the amount of investment after a large-scale market correction, etc.

You can consult regularly on the market outlook's operating strategies, but it doesn't need to be too frequent, just quarterly.

In addition, you also need to pay regular attention to the performance of the funds you hold (for example, quarterly or half-yearly). If its performance continues to decline without improvement, you can consult whether it needs to be replaced.