Some people say that they put all their savings in the fund, while others say that they put all their private money in the fund. I'm really worried about these friends. The United States has an algorithm to estimate how many assets you should invest and how much you should use for conservative savings. This algorithm is simple, that is, your age. If you are 30 years old, you should use at least 30% of your assets for savings and no more than 70% for various investments. If you are 40 years old, save 40% and invest 60%. If you are 60 years old, save 60% and invest 40%. In other words, the older you get, the more conservative you should be. Money funds are the same as savings. )

In addition, there should be enough "emergency funds", such as in the case of illness and unemployment. In this way, once something happens, there is no need to temporarily sell the investment to solve the urgent need.

When you use the age algorithm to allocate funds and reserve "emergency funds", you can invest more calmly, even if the investment fails, it will not make you lose everything. This is very important and determines your investment mentality. Obviously, when you invest with a very impetuous and stressful mentality, you will definitely speculate and gamble instead of investing.