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人多智广:给你100万,如何配置投资组合?
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$1M Playmoney!

If lucky enough to find or be given $1M to invest I'm afraid that at my age (55) I wouldn't go crazy with aggressive return seeking investments. They very first thing I would do is consult a licensed financial advisor.
Whenever you invest, you should have a goal in mind. Is this long term? Do I need dividend income? Do I want fast returns? Can I afford a loss?
When I was in my 20's my needs were to establish myself with a diverse portfolio so I invested heavily in aggressive growth funds. While volatile, the attraction of high returns sold me. In my 20's I had time to recoup any losses. I started investments in high growth aggressive mutual funds.
By my 30's I still had plenty of working years ahead but had been burned. At this point I changed my portfolio to be closer to 70% aggressive growth funds and 30% more conservative stocks and bonds.
You should evaluate your investment goals regularly. How much loss is acceptable to you? Base your investments off of YOUR priorities and needs.
Young with plenty of time till retirement? Chase those high return unicorns my friend!
Close to retirement? You probably need to rein it in unless the gift horse million is of no impact to your savings. If you're fully funded fir retirement then go crazy like you're 20!
If you're not fully funded, take what you need and invest in conservative growth funds. No crazy high returns but no crazy loss of everything either.
Look, it's all up to you. Do you want to be eating cat food or caviar when you retire?
Me? I'm a caviar kind of gal so I'm going to get a pro to take my million and make it pay off without loss.
Here's to all of our caviar dreams!
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