The monthly income of this family of four is 300,000 yen (net). After deducting the monthly mortgage of 50,000 yen, the living capital is only 250,000 yen, which can only meet the standard of maintaining a basic life for a Japanese family of four. However, how can we not save money for our son's enrollment and future children's tuition and fees? In addition, TV and newspapers talk about providing for the elderly every day, and Mrs. Miyamoto even began to worry about providing for the elderly. Although Mr. Miyamoto said, "We are very nervous now, where can we save money!" Finally, the couple decided to ask experts for help in making financial plans. In Japan, most financial institutions provide services such as "life planning" and "financial planning", and licensed financial planners tailor life or financial planning for customers. In recent years, due to the declining per capita income in Japan, the issue of providing for the aged has become a topic of great concern to the society, and young people have begun to feel the pressure of future finance and providing for the aged. The people who customized life planning and financial planning shifted to young people from the 1960s, and more and more young people began to make plans. Generally, Japanese financial planners will ask customers to give them their real "financial statements" first, and then analyze and formulate a financial planning book that suits them best with their customers. At present, the popular planning method is: the third division of funds is to divide funds into: liquidity (emergency reserve), use of scheduled funds, and profitable funds. Liquidity is mainly prepared to guard against sudden emergencies such as diseases, injuries and disasters, and it is required to be realized immediately. Therefore, this fund can be reserved in flexible ways, such as demand, term, short-term term term, MRF, MMF and so on. In terms of the amount, it is generally recommended to be 6 times the average monthly living expenses (about 654.38+0 million yen). The purpose of the predetermined funds mainly refers to the funds planned to be used in five or several years, such as the plan to buy a house or a car, and the tuition fees for children to go to college after three years. According to the individual's specific "life planning". Especially for families with negative cash assets, if they need to prepare a sum of money that may be used to subsidize their living expenses, it also belongs to the category of using predetermined funds. The investment of this fund can be biased towards financial products with high medium and long-term returns, such as time deposits, accumulated time deposits, national debt, financial savings and so on. However, we should pay attention to the safety of the principal. In Japan, there is a "fiscal savings system" led by the government and implemented by enterprises, that is, enterprises and employees agree to withdraw a certain amount from their wages on a regular basis every month (the amount is determined by employees themselves) and deposit it in the bank, and interest will be paid in the form of "accumulated time deposits", so that this part of wages can be exempted from income tax. Some banks also offer this product a special interest rate higher than that of individual customers. Therefore, "financial management" is the preferred investment direction for using predetermined funds. Profitable funds refer to funds that are not expected to be used in 10 years. Generally speaking, this fund is mainly used for providing for the aged and paying for children's tuition. This fund can be used to invest in long-term products and earn higher returns. Effective use of this fund is the key. Under the contrast of investment income, from the actual situation, most people still invest this money in high-yield financial products such as stocks, funds, bonds and foreign exchange. However, experts still suggest setting an upper limit to ensure that there are some remaining funds for emergencies. Asset dichotomy is a widely accepted and widely used financial benchmark in Japan. For example, when choosing which financial products to invest in, you should first set your own selection conditions, such as the investable period of funds, the category of funds (the category in dichotomy), the expected rate of return, etc., which will help narrow the screening scope and facilitate early decision-making. At the same time, this method is also considered to be an effective method of "self-management". I hope it can be used for reference by domestic readers.