Investment Strategy Selection Guide

Find the investment strategy that best suits you based on your risk tolerance, capital size, and investment goals.

🎯 Conservative Strategy

Bond PortfolioLow Risk

Suitable for:Nearing retirement, risk-averse investors

Suggested Allocation:70% bonds + 20% stock ETFs + 10% cash

Expected Return:4-6%/year

Characteristics:Stable income, low volatility, capital preservation first

⚖️ Balanced Strategy

60/40 Classic PortfolioMedium Risk

Suitable for:Most investors, seeking steady growth

Suggested Allocation:60% stock ETFs + 40% bonds

Expected Return:7-10%/year

Characteristics:Balances growth and risk, a classic allocation

Core-Satellite StrategyMedium Risk

Suitable for:Some investment experience, seeking excess returns

Suggested Allocation:80% broad-market ETFs + 20% stocks/sector funds

Expected Return:8-15%/year

Characteristics:Steady foundation + flexible additions

🚀 Aggressive Strategy

All-Equity PortfolioHigh Risk

Suitable for:Young investors, long-term investing, able to withstand large fluctuations

Suggested Allocation:90% stock ETFs + 10% other assets

Expected Return:10-15%/year

Characteristics:Maximum growth potential, high volatility

Growth Stock StrategyHigh Risk

Suitable for:High risk tolerance, seeking excess returns

Suggested Allocation:Tech stock ETFs + growth stocks + a small amount of value stocks

Expected Return:15-30%/year (extremely volatile)

Characteristics:High growth potential, requires in-depth research

📊 Strategy Comparison Table

Strategy Risk Level Expected Annualized Return Suitable for Minimum Capital
Bond Portfolio Low 4-6% Conservative investors $1,000+
60/40 Portfolio Medium 7-10% Most investors $500+
All-Equity Portfolio High 10-15% Young Investors $500+
Growth Stock Strategy High 15-30% Professional Investors $5,000+

💡 How to Choose?

  1. Assess your risk tolerance:Use our risk assessment tool
  2. Define your investment goals:Retirement? Buying a home? Wealth accumulation?
  3. Consider your time horizon:The longer your investment horizon, the more risk you can tolerate
  4. Start small:Test the waters with a demo account or a small amount of capital first
  5. Periodic rebalancing:Rebalance the allocation once a year
💡 Tip:For beginners, we start with60/40 PortfolioorBoglehead Strategyto begin with, as this is the safest way to invest.
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