First, regarding the plan to have children in three years, Ms. Sun can allocate 1000 yuan from her monthly income for regular fixed-amount investments. The options available include hybrid funds or fund-related fixed investment products from bank wealth management products, as most of the currently available bank fixed investment wealth management products are mainly based on portfolio investments, which can effectively reduce risks. Second, clear division of labor and steady investment. Due to differences in financial management concepts and knowledge between the couple, as well as varying time costs devoted to financial management, there may be significant differences in the final returns on investment. The spouse who is more skilled at financial management can focus primarily on investment trends and return rates, while the other spouse can pay more attention to family life construction. Third, adjust current investments. Most of Ms. Sun's and her husband's current assets are held in liquid form, resulting in lower returns. It is recommended to invest 10,000 yuan in money market funds, which have the characteristics of good liquidity, low risk, and relatively stable returns. The 30,000 yuan stock investment can remain unchanged. In addition to the aforementioned monthly preparation of 1000 yuan for child-raising expenses, another 1000-2000 yuan can be invested in fixed investment products, with the goal being future children's education%u...