I have indeed thought about this issue.

2.1 million RMB is about 300,000 USD, divided into three parts.

100,000 USD to buy the S&P 500, I will consider it after the two U.S. elections.

100,000 USD to buy 20-year U.S. Treasury bonds, which can yield nearly 5% annually now, totaling 5,000 USD each year.

The use of this 5,000 USD mainly depends on whether there is a loan on the house; if there is a loan, the 5,000 USD will be used to pay off the loan.

The remaining 100,000 USD can be used in several different ways:

Needs cash flow

1. Buy 1-year U.S. Treasury bonds, currently yielding 3.8%.

2. If worried about U.S. Treasury yields decreasing, one can buy dividend-paying stock ETFs, which average about 3.5% yield.

Not very in need of cash flow

1. Continue buying the S&P 500.

This is the most hassle-free and least error-prone method. If one already agrees with the logic of buying the S&P with the first 100,000 USD, then adding this last 100,000 USD to the S&P essentially continues to bet on the pricing power of America's core assets.

2. If one can accept higher volatility, one can buy the Nasdaq 100.

This part is not for dividends, nor for stable cash flow, but purely to take advantage of the valuation elasticity of U.S. tech stocks, AI, and high-growth companies. The returns may be higher but the volatility will certainly be greater than the S&P.

3. Buy gold ETFs.

Gold does not have cash flow and cannot accrue interest, but can serve as a hedge against U.S. dollar assets.

Finally, the Honda Accord is not a pure electric vehicle, and the cost of using Didi is high, especially since the average oil price in China is still relatively high, so I sold it to switch to an electric vehicle of the same class. Every day, I just treat driving Didi as going to work, forgetting that I still have 300,000 USD on my mind.

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