随着改革开放的不断深入，市场经济的不确定性开始影响每一个人。由于社会保障制度尚未全面建立起来，子女教育、退休、住房和医疗等社会保障功能在很大程度上由个人承担起来了，人们普遍对未来支出增长的预期不断增强，促使个人储蓄倾向加大。为了保障未来的生活，必须为未来? With the deepening of reform and opening up, the uncertainty of the market economy began to affect everyone. Since the social security system has not yet been fully established, social security functions such as education, retirement, housing and medical care for children are largely borne by individuals. Expectations for future growth in spending are expected to increase steadily and personal savings tend to increase. In order to protect the future life, must be for the future?