26 years old to during 45 years old - - - stockpiles the children to give birth the fund, reforming family managing finances. This is one manages finances the most complex time, individual managing finances transforms gradually into family managing finances. As soon as will come, to work will possibly have is promoted or the change, will enable itself to have is better, the stabler source of income; Two come, gives birth to a boy faced with the marriage, the child rearing and the educational expenses increase gradually; Three come, the parents age is gradually high, supports old person the duty also gradually to propose the  program.

When initial period, to turn the family the genuine haven, needs to carry on the family risk management, establishes the family risk management fund, and will start to choose future and so on insurance to safeguard the product. May also the due consideration some income high investment managing finances tool. Generally speaking, the family risk management should take insure and the bank deposit account as the main vehicle. Therefore, should coat a safety net first, then carries on other investment target programming. Looking from the overseas situation, a person's suitable insurance, should be each month gross income 72 times at least, is also the safeguard which so-called “72 principles” - - - the insurance provides should at least enough in the work situation under-bracing 6 years. When later period, needs to reduce the risk gradually, increases the fluidity, because along with marries children's birth and the growth, the education fund's required quantity also meets the synchronization to grow. Therefore, is also small in the child age, considered the education fund the importance, the family cash disbursement pressure will increase, in addition will purchase homes the pressure, anti-risk ability will reduce. Therefore, this time is not suitable invests the high risk to throw the inborn nature, mainly gives dual attention to the fluidity and the safeguard. after 45 years old to 55 years old, - - - the maintenance level of living, completes the retired safeguard.