With regard to serum cholesterol levels and risk of heart disease among middle-aged people,research suggests that

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Research suggests that the ratio of total cholesterol to HDL may be more important than total cholesterol in predicting the risk of heart disease among middle-aged people. A high ratio (indicating high total cholesterol and low HDL) is associated with increased risk, while a low ratio (indicating low total cholesterol and high HDL) is associated with decreased risk. Therefore, monitoring the ratio of total cholesterol to HDL may be a more useful indicator of heart disease risk than simply monitoring total cholesterol levels.

With Regard to Serum Cholesterol Levels and Risk of Heart