Rate Of Return
CommemorativeLong-term Optimization Suggestions
1. Adopt the classic three-fund portfolio framework: Refer to John Bogle's ETF investment system to construct an extremely simple ETF portfolio:
- VTI (US Total Market ETF): Approximately 50% of ETF allocation
- VEU (Vanguard All-World ex-US ETF): Approximately 30% of ETF allocation (covering developed + emerging markets)
- BND (US Total Bond Market ETF): Approximately 20% of ETF allocation
This portfolio is simple and easy to manage, capable of fully diversifying global market risks while achieving stable long-term returns.
2. Regular Rebalancing: Rebalance the ETF portfolio every six months or one year to restore the target allocation ratio of each ETF, ensuring the portfolio remains in a risk-diversified state.
3. Focus on Sector Trend ETFs: You can appropriately allocate some sector trend ETFs, such as ETFs in sectors like new energy, artificial intelligence, and medical technology, to share in the growth dividends of these industries, but the allocation ratio should not be too high (not exceeding 10% of the total ETF allocation).
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