Matt Filippini, a 27 year old software engineering, who earns 40 thousand dollars a month. He rents a apartment with his friend; however, he was annoyed by wasting money on apartment renting. He longs for owning his house. He plans to buy a house costs 3~4 million dollars. In order to achieve this goal, matt has a specific plan. Each moth, he automatically transfers 800 dollars from cheque account to savings account. Financial expert proposed that is is a good choice to invest half of his monthly savings on fund investment(90% stocks and 10% bond respectively)

The rich are rare, so most of people can not afford the costly house. How to allocate money effectively remains a confusing question. Someone would rather rent apartment because it guarantees his or her the adequate quality of life. While some people choose  to purchase house. They think that house is the preservation stuff and they want to live in a steady condition. The value of money changes all the time so if people just save money at bank. It may even depreciate. Investing money in fund or stocks may be a better choice.

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