2. Set aside a part for personal protection and sickness insurance for family members, with the premium of 15- 20% of the annual family income; The insured amount shall not be less than the total loan amount; Also consider the amount of medical expenses.
3. In the last pension insurance with steady capital preservation or dividend, the quality of life after retirement has not decreased.
In the future, your ideal pension amount in your later years is subtracted from the pension you can get from social security. The difference is the part of your pension shortage, which can be supplemented by commercial pension insurance.
4. If you have children, you should also consider investing in their education and plan their education funds in advance. Finally, education fund insurance, earmarking, compulsory deposit.
5. High-risk financial investment needs to be cautious, and benefits and risks coexist. The investment should not exceed 5% of the disposable funds.
6. Get into the good habit of monthly fixed deposit and transfer it with interest after one year. Don't move interest, enjoy the income of compound interest.
7. Choose a reliable project and invest in some businesses (such as opening a shop). Don't invest too much at once, lest you lose your money if you don't see improvement.