First of all, as a Ping An senior insurer, financial planners sincerely hope to help everyone around them or online through their professional knowledge. In my opinion, financial management and insurance are not suitable, only suitable.

Under normal circumstances,

We should set aside 20% of our annual income as emergency funds, gifts and so on. ...

20% of the money is used as an insurance product to protect the risks of family members.

25% of the money is used for venture capital products, such as trusts, funds, securities and stocks.

The remaining 35% can be deposited in the bank in addition to daily expenses.

For a family of three like you, first of all, you both have commercial insurance, but you have neglected your children. Here, I recommend a>

Children's education is rigid education, and children can't suffer at any time, especially in education, so I suggest Ping An Wisdom Star to you.

The annual premium is 6,000 yuan, the lifetime guarantee is 100000 yuan, the major illness protection is 80,000 yuan, and worry-free medical care is added (the economic cost caused by accidental injury is 100 yuan, and the upper limit is 100%). Because your child is young, it is only 1 year old at present, so on this basis. Not very cost-effective. I suggest you buy a Zhang Pingan Children's Angel Card, which costs 200 yuan to cover 30,000 accidental injuries and 5,000 yuan for hospitalization every year. Then, when the child is more than 3 years old, add hospitalization medical insurance to this policy for him, covering (outpatient 200 yuan, bed 600 yuan, 5,200 yuan for treatment, 3,000 yuan for minor surgery, 20,000 yuan for major surgery, 80% for reimbursement).

The above is about the protection of children, and then the dividend part. When children 15 years old go to high school, they can get 3000 a year and * * * for 3 years.

Children 18 years old go to college, and four years of college can get 10000 yuan every year. So far, the principal is still around 20 thousand, and the child can still get a bride price of 30 thousand at the age of 28. If not, when the child is 60 years old, the money in the policy account will be enough for her to support the elderly.

And after a hundred years, your grandson can still receive the main insurance of this policy 100000 yuan. The amount paid is in direct proportion to the annual premium.

Such a secure and educational financial plan will definitely have an impact on the early financial education of the baby when he grows up.

Then your family financial plan. I recommend Ping An Bank's robust Ying 'an e-finance plan in lufax. The annual interest rate of the plan is (8.4%/ 1 ten thousand yuan), and it can be transferred after 60 days. Ping An Company guarantees full principal and interest.

I understand that you put your money in Ping An Bank, and Ping An Bank gives you a loan as an intermediary. You only charge interest in the middle. If the lender doesn't pay back the money, then your money and interest will be paid back by Ping An Bank. In this link, you only belong to the lender, that is, the investor. Under no circumstances will you lose money on the principal and interest. Lufax is also a kind of trust.

Too many hands-on. It is estimated that Baidu will say bad information again. I don't know how they did it. 1 day answered 200 questions, 100 bad systems. ...