25% in cash, 25% in time deposits, 25% in high-risk and high-yield (stocks and gold) and 25% in low-risk and low-yield (capital preservation funds) are the normal allocation of asset baskets, but they are also for reference only.

Reasonable asset allocation should be able to cross the economic cycle, experience inflation and deflation, and realize the steady growth of wealth.

After comparing time deposits, dividend policy, bonds, gold, funds, stocks, real estate and other investment tools. It is found that time deposit is the investment tool with the lowest return on investment, which is worthy of the title of "the least technical content", but it has the advantages of low risk, low investment threshold, long-term capital preservation, high liquidity and great advantages.

Theoretically, the theoretical system of wealth management consists of three parts: time value of money, asset allocation theory and life cycle theory, among which only time value of money is the most difficult to control. In other words, individuals can actively adjust asset allocation and plan their lives, but they can't actively respond to changes in the value of money.