The customer's asset allocation should be pyramid-shaped, with equity investment at the top, high risk and high return, which is used for asset appreciation. In the middle are medium-risk varieties such as secondary market and quantitative hedging. Risk-return is used to increase value when the economy is good, and it is also defensive when the economy is bad 2.

The bottom of the pyramid, that is, the largest part, should be a large number of low-risk and low-yield assets. Only when the whole pyramid has a solid foundation can family fortune be passed down.

What should be configured for low-risk assets? It should be debt base and insurance. Most of the bank's wealth management is invested in bonds, which makes the bank earn a lot of difference. Why not directly invest in bond funds with higher cost performance? Trust is actually a kind of bond, just a bond of a single enterprise, and it does not diversify investment to reduce risks.

If customers have a large amount of funds, they can invest in different products of different trust companies to achieve the purpose of diversifying risks. If customers have limited funds and want to diversify their risks, they can consider diversifying their investment in the debt base of bonds, with similar income and trust, but much higher security. Even if they step on the thunder, they may only lose part of their income.