Da Yu's hypothesis is quite good. Let me share my configuration. If it's 1 million RMB, that's about 150,000 USD. My personal suggestion is to allocate 1 Bitcoin ($BTC) and hold it for ten years. With the remaining 40,000 USD, I suggest investing in gold or ten-year U.S. Treasury bonds. Of course, if considering risk assets, I think you could allocate to QQQ.

If it's 1 million USD, allocating entirely to risk assets isn't very suitable, but considering it's for young people, my configuration would be 3 Bitcoins (330,000 USD), 100 BNB ($11,000), and 50 ETH (200,000 USD). BNB earns an annual interest of 12%, and ETH earns an annual interest of 4%.

With the remaining 360,000 USD, gold should be a standard allocation, followed by QQQ, and then U.S. Treasury bonds. If you want to be more conservative and provide some living expenses each month, then 200,000 USD for ten-year U.S. Treasury bonds is appropriate. If you're more aggressive, then 200,000 USD for QQQ has potential.

I've mentioned my own configuration many times: 33% gold + 33% twenty-year U.S. Treasury bonds + 33% Bitcoin. At that time, gold was 3,000 USD, U.S. Treasury bonds had a yield of 4.8%, and BTC was 77,000 USD.

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