How to determine the investment order and portfolio ratio in the face of financial products with different characteristics? Financial experts put forward the concept of "financial pyramid", that is, arranging financial management in order of importance and risk: the pyramid should start from infrastructure, including demand deposits, time deposits and personal insurance; Live on the second floor, that is, live and live; The third layer is capital preservation wealth management products, with less risk; At the top of the pyramid are high-risk wealth management products such as funds, stocks and trusts. The significance is that even if the upper investment is unexpected, the lower level is still stable and will not have a great impact on the financial situation. Is your financial planning arranged according to the "financial pyramid"? Mr. Lei, a middle-level state-owned enterprise, benefited from buying a house: after working for several years, he quickly bought the first suite while the house price did not rise. The mortgage is almost over, and the extra savings have nowhere to invest, so I bought a second house and then a third house. Through the light of rising house prices in recent years, I also realized the appreciation of real estate. Mr. Huang, a foreign company executive who lost money buying stocks: Looking back on my financial management career, I took many detours. In recent years, I have taken out more than half of my savings for stock trading, and I have lost less than 100 thousand from hundreds of thousands. I learned it from the stock market. I watched my friends do business, and then I entered the stock market again. As a result, my business lost money again ... now I only dare to buy a house, and I dare not touch any other investment products. Mr. Yang, a civil servant, has just worked for a few years, with a medium income and amateur stock trading. After earning 50 thousand, he took out his money to speculate in futures. My plan is to buy a house with a down payment after earning enough money. Mr. Zhang: I am the breadwinner of my family. Although I already have two houses, I take into account the old and the small.