1 Base layer: The bottom layer of the pyramid is wider and more stable, which is the cornerstone of establishing financial planning and is suitable for financial products with less risk, such as cash, savings, money funds, bank financial management, national debt, insurance, etc. 2 Value-preserving layer: the middle-level risk is moderate, which can prevent family wealth from depreciating, but the security can not be ignored while considering the profitability, which usually covers corporate bonds, financial bonds, preferred stocks and various funds.

3 Value-added layer: the top is narrow, which is suitable for enterprising investment products with less capital, more risks and relatively high returns, such as real estate, stocks and futures.

After building a financial pyramid with three layers: basic layer, value-preserving layer and value-added layer, the proportion of each layer can be adjusted according to family situation or investment preference.