Brother Dayu's hypothesis is pretty good. Let me share my allocation. If it's 1 million RMB, that's roughly $150,000. My personal suggestion is to allocate one BTC and hold it for ten years. Then, with $40,000, my recommendation is to invest in gold or 10-year U.S. Treasury bonds. Of course, if you're considering risk assets, I think QQQ is a good option. If it's $1 million, putting it all into risk assets might not be ideal. But considering it's for a young person, my allocation would be: 3 Bitcoins ($330,000), 100 BNB ($110,000), 50 ETH ($200,000). BNB earns 12% annual interest, and ETH earns 4% annual interest. For the remaining $360,000, gold should be a standard allocation. Next would be QQQ, followed by U.S. Treasury bonds. If you want to play it safe and set aside some living expenses each month, then $200,000 in 10-year Treasury bonds is suitable. If you're feeling more aggressive, $200,000 in QQQ could be a good opportunity. I've shared my personal allocation many times before: 33% gold + 33% 20-year Treasury bonds + 33% Bitcoin. Back then, gold was $3,000, Treasury bonds had a 4.8% yield, and BTC was $77,000. This post is sponsored by Bitget ｜ @Bitget_zh