How to write a financial plan? Can you help me write an investment plan?

Almost retired, then the investment should be conservative, personal opinion: 60% of the funds are used to buy, the way to buy, can be fixed, can also be divided into multiple times, a suggestion, if you are right, economics, you can buy directly, but do not know so much about the regular investment, choose the aspect, after all, you are doing long-term investment, then the **type**, it is best to be transformable**, in the case of recent **volatility, you can convert the **** into bonds or currency, when the ** is stable and rises, it will be converted into the ** type, but not too often, after all, this is a handling fee, and it may face a loss of capital. The return on investment in 10 years may be about 30% to 40%, which is converted to about 170,000 to 200,000, if the economy is good, and if it is good, the rate of return will be higher, and the money will be more, it depends on the economy of that decade.

20% do investment**, this depends on your own ability and vision, there is nothing to say, if you have the ability, you can also do **, warrants, (but be careful, after all, there is leverage, if you lose, you will be in trouble), foreign exchange, ** and other investments. However, the risks are higher.

Save the rest, maybe the family sometimes needs it urgently, you can also buy 10% of it for universal insurance, but try not to take it within three years, otherwise you will lose a handling fee.

Go buy **or**, don't look at it as soon as you buy it, just do what you should do.

Consider purchasing**.

In response to your problem, the specific analysis is as follows:

According to the above needs, Mr. Wang's family has a total annual income of 350,000 yuan and a total expenditure of 100,000 yuan. The surplus of funds is 250,000. The total assets are 1.35 million. There are no liabilities for the time being.

Cash planning: Prepare for 3-6 months of normal living expenses, so 50,000 current accounts continue to be saved.

Insurance planning: It is recommended to match critical illness insurance first, here we take Hong Kong Plus Yubei Security (enhanced version as an example), and the total family premium is controlled at about 40,000.

Mr. Wang: The sum insured is 100,000 US dollars, paid for 25 years, and the annual premium is less than 17,000 yuan.

Mrs.: The sum insured is 100,000 US dollars, paid for 25 years, and the annual premium is about 15,000 yuan.

Daughter: The sum insured is 120,000 US dollars, paid for 25 years, and the annual premium is about 8,000 yuan.

The above premiums can be surrendered after 25 years, and you can get all the premiums paid before, plus interest.

Children's education: The annual premium is required to not exceed 30,000 yuan, taking AXA 105 Junyu Investment Plan as an example, with an annual rate of return of 9%, an annual investment of 30,000 yuan, 10 years, 100,000 yuan in the 11th year, 100,000 yuan in the 12th year, and all surrenders in the 13th year, about 680,000 yuan.

Retirement planning: Take the Metropolitan Bright Light Savings Plan as an example.

Mr. Wang: Retirement at the age of 60, get 10 yuan a year, get 85 years old, need to pay about 40,000 yuan a year, pay for 10 years.

Mrs.: Retire at the age of 55, get 100,000 yuan a year, get 85 years old, need to pay about 60,000 yuan a year, pay for 10 years.

Planning expenditure: 40,000 yuan for insurance, 30,000 yuan for children's education, 100,000 yuan for retirement planning, 250,000 yuan for surplus, and 80,000 yuan for post-planning surplus.

After planning, you can use free funds, 300,000 deposits, plus 80,000 yuan of annual surplus, these funds can also be used to make some other investments according to the customer's preferences, or emergency unexpected expenses.