Ｉｎｓｕｒａｎｃｅ：Ｔｈｅ Ｔｈｉｒｄ Ｂａｓｋｅｔｐｄｆ

For the general public， instead offocusing on a simple increase inincome， their investment and fi-nance decisions should pay much moreattention to the rise of actual living stan-dards and managing risk. This requiresa scientific combination of deposits，investments and a safeguard plan， whosecounterparts are three vehicles from thefinancial market: bank deposits， securi-ties and insurance.