For many of us who rely on pure wage income, the most important thing is to have three to six months of cash reserves and "after-sleep income" without time and labor restrictions, so as to ensure a stable cash flow when there is no wage income and ensure a normal life. Similarly, for business owners, wages are not paid during the epidemic, as well as rent pressure and inventory pressure. Therefore, in addition to the above, we also need to consider the cash flow of enterprises and the separation between families and enterprises, that is, how to ensure that our families will not be affected and their normal lives will be guaranteed in the event of any risks in enterprises. In the crisis world and crisis period, asset safety is the first, and the current environment suggests that cash is king. There are many tools for cash management, such as money funds, large bank deposits, trust products and life insurance policies. Money funds and large bank deposits can be bought in banks and belong to short-term wealth management products. Trust products have a relatively high starting point, and generally need to invest more than 5 million yuan. Life insurance is more universal. It can be used as a medium-term or long-term financial management, and the income is safe and stable. Combined with the compound interest effect, the long-term income is also considerable. However, it is recommended not to directly participate in the stock market investment because of the income. There are ups and downs in the stock market, which requires very strong technology and time investment. If you really want to participate, it is recommended to buy a fund or consult a professional investment institution. What needs to be reminded here is that when buying bank wealth management products, you must read the contract clearly, and don't buy stock wealth management products, which increases the risk and handling fee. Insurance concept: We often meet some people who say that they have bought a lot of insurance. After a detailed understanding, I know that they basically buy wealth management products such as dividend insurance and universal insurance, and there is no real guaranteed insurance. If you go to an insurance company and are refused compensation, you will say that the insurance is deceptive and then ask for surrender. As soon as I surrendered my insurance, I found that even the premiums I paid could not be refunded. I felt that insurance was a pit. Actually, I bought the wrong insurance Insurance surname is insurance, insurance first and then management. Insurance products: With the development of Internet, online insurance is very convenient. However, when many consumers apply online, they buy with their eyes closed without reading the health notice or the terms, which will easily lead to disputes in the future. Insurance is not a commodity, but a tool, so I suggest you find a professional insurance salesman to serve. Insurance sales: During the epidemic, everyone could not meet, and the electricity sales model rose again. Some of these words will be avoided and exaggerated, such as describing the uncertain "expected return" as a certain guaranteed return. It is suggested to clearly ask and understand the key information of insurance products, such as the name of insurance products, their corresponding insurance responsibilities, liability exemption, insurance period, insurance amount, payment period, surrender loss, etc. If you encounter misleading propaganda from telemarketers, you can complain to the regulatory authorities in time. At the same time, we should be alert to the promise trap of "full surrender".