Diversifying assets is an important strategy to reduce risk and achieve stable returns. Funds can be allocated to different types of assets. For example, part of the funds can be kept in fixed deposit accounts, which are safe and stable, ensuring basic returns. Another portion can be invested in bonds, which offer higher returns than deposits and have relatively moderate risk. Additionally, a part can be invested in stocks or funds in pursuit of higher returns, but one must be aware of the higher risks involved. Moreover, physical assets like gold serve as a store of value and can act as a hedge during economic instability. By reasonably diversifying assets, one can avoid significant losses caused by poor performance of a single asset and allow wealth to grow more steadily.