1, the bottom of the pyramid. First of all, it is naturally the cornerstone of pyramid planning. The cornerstone should be a safe and reliable basic investment project with the largest investment proportion. This kind of investment can often bring stable income, and with the growth of age, the proportion of this part of investment will gradually increase. Generally speaking, this kind of investment includes bank savings, insurance, national debt and less risky wealth management products.

2, in the middle of the pyramid. Next, you need to allocate the middle layer of the pyramid. The middle layer is an investment project with increasing income, accounting for a medium proportion of investment, which can save money for future investment and effectively resist the impact of inflation. With the growth of age, this part of investment projects will gradually be transformed into the most basic investment projects. Generally speaking, this kind of investment should be composed of various funds and bonds with moderate risks and returns.

3. The top of the pyramid. At the top of the pyramid are high-risk speculative investment projects with the smallest investment ratio. With the growth of age, the proportion of investment in this part can be gradually reduced. This part of the investment is small and risky, but the income is relatively high. Generally speaking, this kind of investment should include high-risk and high-yield real estate, stocks, futures, gold and so on.