There is an investment formula that you can refer to: high-risk investment ratio =1- age * 1%. For example, if you are 3 years old this year, the ratio of your investment in high-risk investment tools such as stocks is: 1-3*1%=7%, then your 1 million can be used in 7, high-risk investment tools such as stocks and stock funds. On the contrary, if you are 1 years old now, you'd better not touch stocks and put all your money into savings.