1. Real estate planning: If a family owns more than two properties, it is not advisable to let them remain idle. Generally, one property can be used for living purposes while the others can be rented out, which will provide a steady income annually. When there is high demand in the real estate market and the housing price is reasonable, you may consider selling the extra properties to gain profits.
2. Children's savings: Depositing 2000 yuan annually for children's education is a bit low. Moreover, the procedures for educational savings are complicated, the depositable amount is small, and the interest rate is not high. Therefore, it is not recommended. It would be better to accumulate educational expenses through regular investment in balanced funds. Given this family's situation, it would be best to make a monthly fixed investment of at least 500 yuan for their child.