Rate Of Return
Commemorative我的目标配置 👇
🟦 VTI（美国全市场）— 48%
🟨 SGOV（短期美债）— 31%
🟩 VXUS（全球 ex 美国）— 14%
🟪 QQQM（纳斯达克 100）— 7%
目前定投建仓中，约 9 个月达到目标比例。
简单说下逻辑：
VTI 48% — 如果一辈子只能买一只 ETF，大概率就是它。美国全市场约 4000 只股票，费率 0.03%，几乎免费。
SGOV 31% — 市场大跌时手里有钱才能抄底。2022 年港股暴跌，满仓和手握现金的人结果天差地别。
VXUS 14% — 不把鸡蛋都放美国。过去十年美股称王，但均值回归是铁律，未来十年呢？
QQQM 7% — 对科技板块小幅超配。我做 TMT 研究出身，愿意在认知范围内多承担一点风险。
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