The next recommendation concernsabout the managed fund. It is a way to manage people进建p2p投资理财平台排名’swealth(Sawicki& Julia,2000). From my point of view, I wouldprefer to choose an emerging wealth management method, that is P2Pwealth management platform, which is becoming more and more popularwith the fast development of the Internet (Zhao, Hongke, et al,2016) The advantage of P2P platform is that it is safe and reliablewith stable profit rate. Besides, it is also easy tooperate.
The third recommendation relates tosome insurance and superannuation, which could help us to defendpotential risks in the future life. The most two importantinsurances are private health insurance and lifeinsurance闭于擅林金融可靠吗（Amelie C,2016）. When choosing these two type ofinsurance, it is necessary to pay attentionp2p to the method ofcompensation, the hospital cover, the term of the grace period aswell as your own financial state into consideration.
The second recommendation is aboutthe allocation of her main asset. The asset she already ownedincludes cash, stock shares, real estates like cars and house. Cashis useful for the most conservative and short horizon portfolioswhile shares offer potential growth and liquidity. It is importantto understand that different asset class differs in the risk andexpected returns. For example, although stock shares have very highpotential returns, the risk and the possibility of loss is alsoextremely high. Thus, the recommended allocation of the asset is toallocate 10% for daily consumption such as clothing, food, andeducation, 20% for emergency insurance like the car accident andserious illness, 30% of the total asset for equity earning likefixed interest, share trust which has both high returns and highrisk, 40% of the total asset can be allocated to long-term income,like the bond, pension, and bonus.