Interesting financial pyramid principle

For each financial personnel speaking, financial pyramid is a cliché of topic. its principle is: most underlying more wide more sound, it is established financial planning of cornerstone, including risk smaller of financial products, as savings, insurance, bonds and so on; middle is years period. risk. return are in medium level, as enterprise bond, financial bond, preferred stock, various Fund and so on; top Department more narrow, inputs funds does not more, bear risk more, income relative higher of has enterprising sexual of investment products, as housing, stock, futures and so on

Pyramid of Spire has more high, bottom has more long, to under construction pyramid of people itself of hope. need and ability, and these things again depending on investors of age, income stability, funds scale, is expected investment years period, tax policy, flow need and so on and will. often members see of assets distribution proportion has following several, these and currently football field Shang popular of several formation almost:

5----3----2: this is most long see of a assets distribution way, will 50% of assets investment Yu fixed income class products in the, in this which, demand deposits, regularly deposits, insurance, bonds and so on of distribution proportion is some learning of, generally demand deposits to leave enough personal six months of months expenditures limited, insurance of expenditure to personal years received income of 10%---20% for excellent, will save and bonds to under specific situation to arrangements. 30% of to various investment fund and various bond to arrangements, 20% investment Yu stock market. this ratio way applies Yu most people, especially 40 aged above of persons; its features is sound, income also relative better. defects is for pursuit higher income of people,, income also is cannot let they satisfaction of;

4----4----2: is a balance sexual assets distribution way, offensive and defensive balance, difficulties is middle of 40% of specific arrangements, in bond type Fund and balance type Fund should more inputs a points, stock type Fund also is not over 15% for good. 35 aged around of people comparison applies, because it into can attack back can keep, in economic does not clear Shi can becomes 5---3---2, in economic situation good Shi can becomes 4---3---3;

4----3----3: as in the formation of a football match, which is a type of aggressive way of managing money, applies to young people under 30 years old persons or investment experience, and risk appetite who, increased high risk component inputs, that is to increase the financial part of personally participating in direct investment, can fully meet their pursuit of higher earnings and a sense of achievement.