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在发达国家的金融领域,稳健的理财模式是金字塔型的：管理层位于塔基,包括足够的收入、有计划的开支、应急资金及充分的保险和遗嘱安排；中部是储蓄层,由短期储蓄、退休计划及儿童教育基金构成。最高一层则是投资层：债券与基金、股票及收藏、期权与期货。可见,保险在西方被视为最基础的理财工具,是一个健康财务计划的基础。
In the financial sector in developed countries, the sound mode of financial management is pyramid: Management is located in Taki, which includes adequate income, planned expenditure, contingency funding and adequate insurance and will arrangements. Central is the savings floor, financed by short-term savings , Retirement plan and children’s education fund. The highest level is the investment layer: bonds and funds, stocks and collections, options and futures. It can be seen that insurance is regarded as the most basic financial management tool in the West and is the foundation of a healthy financial plan.