Mr. Zhang works in Taiyuan City, aged 45. The wife at home is unemployed, the two support four old people, and Zhang's parents have a pension.
One is to buy insurance. Both husband and wife bought dividend insurance and accident insurance for their children, as well as child dividend insurance and accidental injury medical insurance. The whole family pays an insurance premium of about 5,000 yuan a year, in order to avoid the risks brought to the family by various accidents as much as possible, and also to prepare education funds and medical security for the children. The second is to buy open-end funds. In addition to buying insurance and keeping spare money, all other money has been bought into stock-based open-end funds.