随着世界经济的一体化和各国经济的不断发展,投资者主体不仅仅是由机构投资者或企业组成,个人投资者在投资主体中的比重愈来愈大。在个人投资者中,由于收入水平、风险偏好、家庭结构等因素方面的不同,他们的投资策略也不同。本文主要分析中等收入小家庭的投资策略,即只考虑风险偏好的不同,不考虑其他因素的影响。 With the integration of the world economy and the continuous development of the economies in various countries, the main body of investors is not only composed of institutional investors or enterprises, but the proportion of individual investors in the investors is getting bigger and bigger. Among individual investors, their investment strategy is also different due to different factors such as income level, risk appetite and family structure. This article mainly analyzes the investment strategy of middle-income small families, that is, only considers the difference of risk preference and does not consider the influence of other factors.