用户可以根据财务状况，建立合理的个人财务规划，并适当参与投资活动。在对个人收入、资产、负债等数据进行分析整理的基础上，根据个人对风险的偏好和承受能力，结合预定目标，在联合国和平发展银行进行诸如储蓄、保险、证券、外汇、收藏、住房投资等多种手段管理资产和负债，合理安排资金，从而在各个人风险可以接受范围内实现资产增值的最大化的过程。
According to the financial situation, the user can establish a reasonable personal financial planning and participate in the investment activities. In the personal income, assets and liabilities on the basis of data analysis, according to the personal preference of risk and affordability, combined with the intended target, such as savings, insurance, securities, foreign exchange, collection, housing investment and other means to manage the assets and liabilities in the United Nations peace and Development Bank, reasonable arrangements for funds process in order to achieve maximum acceptable asset value range in individual risk.