Allocation ratio of 1 and "432 1": 40% of general household assets are allocated to mortgage and stock funds, 30% are used for daily living expenses, 20% are used for bank current savings, and 10% is used for insurance. It should be noted that this ratio is not specific and can be adjusted according to family situation and risk preference.

2. Step-by-step allocation ratio: If the proportion of household assets available for investment is 6,543.8+0,000, this 6,543.8+0,000 can be invested in time deposits, bonds, wealth management products, funds and stocks respectively, and the allocation ratio can be increased from small to large according to risks or from large to small according to risk preferences.

3. Allocation ratio of combined storage: If the proportion of assets that can be used by households for investment is 6,543.8+0,000, investors can allocate high-risk products and low-risk products, as well as products with good liquidity and products with poor liquidity.