Three groups discriminated by risk attitude are Risk averter, Risk balancer and Risk lover.

以度区隔市场，得到趋避、平衡及爱三族群。

Risk averter prefers bank deposit and insurance, Risk lover prefers foreign exchange and stock and Risk balancer prefers futures.

而趋避较行存款和保，爱较外汇和股票，平衡期货。