There are more and more investment and financial channels, such as government bonds, currency funds, insurance, stocks, gold and bank wealth management products. In the face of all kinds of investment methods, how should ordinary investors choose? How to grasp the “fragmentation” and “singularization” of investment? “Fragmentation” investment diversification risk “fragmentation” pays attention to portfolio investment, the purpose is You can reduce risk without reducing your revenue. For portfolio investment, please refer to the formula of “100 minus current age”. If 70 is now, no more than 30% of the funds should be used for investment; if 40, at least 60% of the funds should be used for investment. In addition, the funds will be diversified, such as 40% fixed income wealth management products, 30% deposit time deposits, 20% investment funds, and 10% insurance. The diversified distribution of assets makes the risk control just right. This investment is more suitable for investors with lower risk tolerance. “Single” investment Pursuit of revenue “Singularization” is about a single investment, with the aim of achieving greater returns. This investment is more suitable for high-net-worth investors with relevant investment experience and strong risk tolerance. They are more aggressive in their investment, prefer products with high investment returns and long investment horizons. Of course, high-yield is necessarily associated with high investment. risk. At the same time, industry insiders reminded that with the increase of age, the risk tolerance of such investors will be sharply reduced. The investment is best changed from “singularization” to “fragmentation”, and high-risk investment products should be relatively reduced.