How to manage money for a family of three?

1. First of all, the reserve fund is about 1 0,000 yuan. This reserve fund can be used to buy money funds and can be fully utilized. The money fund has good liquidity and short redemption time, so it can be used reasonably. (Interest rate is higher than demand deposit)

2. You can buy several funds, including 50% stock-based hybrid bond fund, 40% stock-based fund, 10% hybrid fund and bond fund (understand the fund types first and adjust the fund according to the plan! Proper management can increase your wealth)

3. The monthly balance is 2,500 yuan! You can choose a fixed investment fund. You can choose 3 funds, which can be index funds or hybrid funds. The continuous fixed investment time in 400 yuan is 18-30 years! It can be fully prepared for the future pension and children's education reserve fund. 1200 yuan is left. You can buy insurance, which can be dividend insurance, medical insurance and old-age insurance! As for two people whose monthly premium is around 400 yuan (accounting for 10%-20% of the total income), the remaining 800 funds can be accumulated regularly in gold and invested in 300 yuan for a long time! The rest of 500 yuan can reserve pocket money or travel expenses to travel regularly! (Each fund can plan flexibly according to its own needs)

I hope I can help you and adopt it. .........