"Respect for life" plans a happy life for you. Affected by the turmoil in the international capital market, wealth management products such as stocks, funds and gold have gradually cooled down. How to choose an appropriate financial management method to increase and preserve the value of wealth is a problem faced by every family and individual who pays attention to investment and financial management. At present, the preferred financial management style of investors tends to be stable, and the dividend insurance with both protection and planning functions has once again attracted people's attention. Scientific financial management, so that happiness can earn money and spend money step by step for "winning", family happiness can not be separated from investment and financial management. With the development of society, family financial management is not as simple as simply calculating daily necessities. Every family's assets are composed of three funds: risk prevention fund, family consumption fund and venture capital fund. The distribution of assets in each family is like a football team, with forwards, midfielders and defenders. In terms of asset allocation, stocks, funds, etc. are the vanguard, and their task is to attack the city and increase family wealth. Savings, insurance, bonds and other financial management methods, like goalkeepers and guards, can make families invincible. In order to meet the needs of the development of market economy and consumers' desire for financial management, Xinhua Life Insurance has launched a financial management method that integrates dividends and planning in the form of dividend insurance. Zunshang Life's old-age security (dividend type) adopts the classic dividend method of Xinhua Life Insurance, and promotes the protection interests of customers through the double dividend design of annual dividend and final dividend. Objective financial management, let asset service life experts suggest that in a family's financial planning, the holding of risk-free financial products should account for the largest part, such as buying bonds, insurance, and depositing money in the bank. Moreover, such wealth management products are suitable for long-term holding and are the basis for families to maintain a stable life in the future. Retirement, medical care, old-age care and children's education all depend on this part of the investment. Followed by funds, blue chips and other low-risk wealth management products, suitable for medium-term holding. High-risk wealth management products such as futures and foreign exchange can only be held in the ultra-short term. George soros, a famous currency speculator and stock investor, once said: "Financial management is always a way of thinking, not a simple skill. All we need to master is an attitude.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.