---
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/39721568.md"
description: "Good evening, everyone. I have some questions and would like to seek your advice. Thank you in advance for your replies. Feel free to discuss in the comments section.First of all, thank you to all the brothers who answered. I appreciate your replies. 🫰Suppose I have 10 million RMB, and I want to allocate it as follows:1. Buy 2 million in US Treasury bonds, 20-year long-term bonds, with an interest rate of around 4.8%, and hold until maturity (interest will be used for Nasdaq DCA).2. Buy 2 million in domestic dividend low-volatility ETFs, using dollar-cost averaging. The current dividend yield is around 4.5%.3. Buy 1 million in Nasdaq S&P 500, using dollar-cost averaging, and hold for more than 10 years.4. Buy 1 million in Hong Kong savings insurance, for example, from Prudential or Manulife, with 20-year compound interest.5. Buy 1 million in Hong Kong dividend low-volatility ETFs, using dollar-cost averaging. The current dividend yield is around 5.5%.6. Keep the remaining 3 million in bank time deposits, or buy some funds on Alipay.How feasible is this method? Or should I just go all in on dividend low-volatility ETFs to collect dividends?What are your brilliant suggestions? Feel free to share your thoughts and speak your mind!In conclusion, thank you again to all the commentators. 🤨Bro, could you give some advice? @Miracle Trader cola @Value & Investment @Hehe^ @韭菜 who lost a building @$Invesco QQQ Trust(QQQ.US)$JPMorgan Equity Premium Inc ETF(JEPI.US)"
datetime: "2026-04-04T14:15:58.000Z"
locales:
  - [en](https://longbridge.com/en/topics/39721568.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/39721568.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/39721568.md)
author: "[怪我咯.](https://longbridge.com/en/profiles/22984905.md)"
---

# Good evening, everyone. I have some questions and …


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