在日常生活中,很多家庭都会遇到投资结构的优化问题,通常在家庭生活中,既有临时性的开支,又有用于子女教育、婚丧嫁娶等支出;既有暂时闲置的养老金,又有待购大件商品及生产资料的备用金等等,其用途千差万别。因此,我们不能将所有的钱都存入银行,但也不能都用来购导股票和债券,应根据各自家庭的实际情况,结合消费 In daily life, many families encounter the problem of optimization of the investment structure. Usually, they have temporary expenses in family life as well as spending on children’s education, weddings and funerals, etc. They also have temporary idle pension, There are also waiting to buy large commodities and means of production reserve, etc., its use varies widely. Therefore, we can not deposit all the money into the bank, but neither can we buy stocks and bonds. We should combine the actual situation of each family with the consumption