Savings book, building society savings contract and life insurance are the most popular, but most conservative forms of investment. More attractive asset classes, such as equities, bonds and commodities, give many savers headaches. How do private individuals diversify their savings optimally and with low risk? Thomas Menzel and Jörg Rodenwaldt show how it's done: asset allocation clear and simple, adapted to the personal life situation. Couples with children, high earning singles and also investors at an advanced age learn how to make more out of their money.