Minimalist Asset Allocation Table for the Next Two Decades (For Ordinary People)

2026–2035

• Stocks/Funds: 60%–70%

◦ AI computing power, chips, optical modules, large models

◦ Photovoltaics, energy storage, new energy vehicle supply chain

◦ Biotechnology, synthetic biology, innovative drugs

◦ Industrial robots, semiconductor equipment

• Commodities: 10%–15% (Copper, Lithium, Rare Earth, Gold)

• Core Real Estate: 10% (Only in core cities)

• Cash/Bonds: 10%

2035–2046

• Stocks: 40%–50% (Tech giants + Consumer leaders)

• Real Estate: 30% (Metropolitan areas with population inflow)

• Consumer/Pharmaceuticals: 10%

• Cash + Bonds + Gold: 20%