There's an interesting data point. According to the latest wealth report, there are approximately 1.8 million households in our country with investable assets exceeding 6 million yuan. It sounds like a lot, but from another perspective—only 1 in 300 households qualifies. For those with assets in the tens of millions, it's even rarer—only 1.09 million households, averaging one in 400 households.

How do these people allocate their assets? To be honest, surprisingly conservative. Bank deposits, wealth management products, and money market funds account for 25%, plus 19% in insurance. These two categories alone consume nearly half of their funds. Stocks make up only 14%, gold 8%, and cryptocurrencies? Just 2%.

But that's not the full picture. Looking more closely, the investment strategies vary greatly among different types of wealthy individuals. Business owners are the most cautious, with savings assets accounting for 28%—the highest among all groups, prioritizing stability. The professional class has a more balanced approach, with 15% in stocks and 7% in bonds, spreading investments across various assets. Professional investors are quite different; they allocate 18% to stocks and 21% to insurance—both relatively high—while savings make up only 21%, the lowest among all groups.

So, different ways of making money lead to vastly different investment mindsets.