Why is this arrangement? Considering that you are 35 years old now, it's still early. If you start investing in pension funds at the age of 20, you can spend a small sum every month, such as 200 to 500. The older you get, the shorter your retirement time will be. The monthly fixed investment will increase accordingly to meet the target demand. For example, I plan to invest in a pension fund at the age of 32, and I will spend an extra 1 1,000 yuan every month. Generally speaking, index funds over 10 have obvious advantages, low cost and good effect.
I don't know how old my child is, but it's good to invest in stock funds. Generally, about 5 years is a bull-bear cycle. When the bull market rises, it can be realized at any time, and it will be better for the bear market to continue investing.
Wealth management products, whether banks or brokers, have a high starting threshold and almost no fixed investment. Moreover, wealth management products are opaque and illiquid compared with funds.
No matter what kind of fund, you can invest. Only stock funds (about 5 years), hybrid funds (about 3 years) and index funds (more than 5 years, the longer the time, the more advantages) need better results. Bond funds and money funds can also make fixed investment, but the effect is not as obvious as the first three. They can save money as pure accumulation, just like replacing bank deposits. Anyway, risk is income, high risk corresponds to high income, and low income is relatively low. Books on financial management and funds, which I have read, can be recommended to you. For reference only.
"Good Financial Management" and "Financial Management Toolbox"-Liu Yanbin.
President Fu teaches you to buy a fund, Buffett teaches you to buy a fund, and Buffett invests in 6 tricks. I have made a lifetime of wealth with the fund.
10/the secret that the bank won't tell you, My first financial management cartoon-104 financial management knowledge.