For young people, if their financial ability is acceptable, their family burden is light, their investment period is long, and they can bear greater risks, they can choose stock funds as the main investment targets and a small number of fund products that take into account medium and low risks; For middle-aged people, income is relatively stable, but family responsibilities are heavier. When investing, we should adhere to the principle of conservatism while considering the return on investment, diversify risks and try a variety of fund combinations; For the elderly, we should aim at stability, safety and preservation of value, and we can choose products with higher safety such as balanced funds with lower proportion of currency, capital preservation or stock allocation.

There is a general formula in mature markets in Europe and America: subtract your age from 80, which is the approximate proportion of a person investing in stock funds. If the investor is 30 years old this year, 80-30=50, therefore, stock funds can account for 50% of the fund investment. Of course, different people can adjust this ratio appropriately according to their own risk preferences, investment duration and investment objectives.