Even if you make time deposits conservatively, you should be able to achieve your goals.

The monthly balance is 6,500 yuan, which is 78,000 yuan a year, which is enough for the 40,000 yuan planned for the wedding.

It is recommended to make a small deposit of 4,000 yuan per month to accumulate special funds for the wedding.

Make a fixed investment of 500 yuan in an index fund to cover high school and college expenses for your future children

The expected rate of return is 8. If you graduate from junior high school at the age of 16, you can accumulate 200,000 yuan per month.

=FV(8/12, 16*12, -500, 0, 1)=194895.27

Strategy: Fixed investment does not wait until 16 years to redeem, but in 16 years Among them, once you make a profit of 100,000 yuan (194895.27-500*16*12=98895.27), you will redeem it decisively, no matter if it is three or five years.

Buy a house, now 90,000 yuan, continue to deposit for three years, and then transfer for one year.

The monthly balance is about 2,000 yuan, which will accumulate to about 100,000 yuan after four years.

190,000 yuan is probably enough for the down payment. At that time, you can also consider withdrawing the provident fund as the down payment. The loan will give priority to the provident fund loan.

The year-end bonus can be used as a reserve fund for the birth of a child.

You can also consider some necessary insurance.

As for whether all the funds should be used as time deposits or which part should be invested in funds, it depends on your own risk tolerance.

After buying a house, make arrangements for pension issues.