Diversified investment is the least risky investment. You can divide your funds into four parts.
1 As a fixed investment fund, it can guarantee a certain income and is relatively stable.
2. Insurance. Buying insurance regularly is to pave the way for the later period.
3. Bank deposits. Anyway, leave some money in the bank for a rainy day.
4. It is a good investment product to invest a small part of spare money in gold.
Please feel free to ask me if you have any questions.