Consider household income, expenses and debt

Refer to expert advice and experience

Set savings goals

Deposit a fixed amount regularly

Record income and expenses

Set budget goals

Regularly review budget implementation

Avoid impulse spending

Make a spending plan

Regularly assess consumption

Assess personal risk appetite

Understand investment risks and rewards

Consider investment goals and timing

Assess market changes

Stocks, bonds, funds, gold, etc.

Understand the risk and return characteristics of investment products

Choose based on investment objectives and risk tolerance

Regularly assess portfolio performance

Consider the age, health status, etc. of family members

Understand the risks you may face

Consider the coverage and compensation conditions of insurance products

Choose the right insurance product based on your family’s financial situation

Understand the credibility and strength of the insurance company

Compare insurance product prices and coverage

Fill out the insurance policy

Submit relevant supporting materials

Assess your income and expenses in retirement

Set retirement goals

Consider the cost of living and inflation in retirement

Refer to expert advice and experience

Set savings goals

Deposit a fixed amount regularly

Understand the risk and return characteristics of retirement funds

Choose based on retirement goals and risk tolerance

Assess the financial status and health of family members

Understand family members’ wishes and expectations

Set inheritance distribution ratio

designated heir

Consider the legal validity and execution of your will

Appointment of executor

Clarify inheritance distribution plan

Sign and notarize wills in accordance with legal requirements;