Letter from readers: I have worked for three years and accumulated deposits100000. At present, I am still in the bank, and I feel that interest is too uneconomical. Excuse me, what investment is better for this100000 yuan? I heard that the income from bank wealth management products is not bad. Is it feasible to use all this money to buy bank financing? At present, my expenses are not much, mainly accommodation, catering and communication. My monthly income is 8000, and my living expenses are around 4500. Male, 25 years old, from Beijing. Interpretation of financial planner: As a young group, this financial customer is in a period of rising career and stable income. First of all, financial management should start with saving money. Personal expenditure should be reduced to 40% of personal income, which is about 3200 yuan. At the same time, at least four to six months' basic living expenses-about 20,000 yuan should be kept in the bank for emergencies. Because the total amount of customers' own funds is not large, the popular trust products and equity investment in the market are still difficult to reach the investment threshold, but customers are advised to pay attention to the relevant markets. According to the investment clock, due to customers' strong ability to resist risks, it is suggested to choose blue-chip stocks in the current market in the stock market and invest in emerging technology sectors, pharmaceutical sectors and environmental protection sectors. Such asset allocation should account for about 50% of personal deposits, and long-term investment of more than five years is believed to bring certain benefits. Bank wealth management can also choose products with lower investment threshold, and the asset ratio should be around 30%, which can hedge the risks brought by stock market investment to some extent. At the same time, 10% of personal income should be invested in life insurance and related insurance products. After the personal income is greatly improved in the future, you can consider buying life insurance products to improve the efficiency of asset allocation. Zheng Yunlin, Ling Jun Wealth Management Planner