If a family wants to be financially sound, it should distribute your income according to the ratio of 6: 3: 1.
60% is mainly used for real estate investment, insurance, bank deposits and daily expenses. Since you already have a house and have a lot of savings, it is recommended to buy insurance with 15% of your annual income, that is, 12000 yuan per year. The order of purchase should be accident insurance, critical illness insurance and endowment insurance. At the same time, 5% of your annual income should be reserved for children born in the future. Find your own insurance specifically. The remaining 40% is used for daily expenses. Because there is a car, the normal expenses for two people are about 1500 yuan/month. If you think the cost is too high, you can reduce the cost and turn the extra part into a one-year bank term.
30% of the proceeds are mainly invested in medium-risk investments. The so-called medium-risk investment means that the profit and loss risk of the principal can be controlled within 10%. At present, 90% funds on the market are not very attractive, and the annualized rate of return is not too high. It is suggested that it is better to buy medium and long-term treasury bonds at present, but as the upstairs said, because CPI runs too fast, it is not easy to preserve the value of funds, so the mentality should be flat, just like reducing losses.
The remaining 10% is high-risk behavior such as investing in stock market, futures, foreign exchange and gold. There's nothing to say about this. As soon as you say you want to buy it, the person who taught you will line up, so I won't teach you anything. Advice is to be cautious, calm, abstain from greed, and not lose money or earn money.