High returns, low risk Using the barbell strategy can potentially generate high returns while keeping risks relatively low. Allocate more funds to low-risk, stable-return products, such as fixed deposits or low-risk funds. Even during black swan events, the drawdown is very limited, and you can still achieve decent returns annually. Allocate a smaller portion of funds to high-risk, high-return investments, such as stocks, futures, cryptocurrencies, etc. If you've done your homework and luck is on your side, you could see several times the return. Even if there’s a significant loss, it would only account for a relatively small proportion of your total assets. Keep about a year's worth of living expenses in a TWD savings account as an emergency fund. This ensures peace of mind for your investments and provides a financial cushion for unexpected risks.