為了更好規劃退休, 我最近在Charles Schwab 開了一個新戶口, 開始了一個投資計劃, 目標是實現穩定和持續的資產成長. 由於投資組合用於退休，因此投資選擇較為保守，例如短、中和長期的投資等級債券，並希望在初始投資後，投資組合能夠穩步增長，並將債券利息再投資於指數ETF, 實現複合投資組合增長.
計劃如下:
1. Core Strategy:
For long term investment of over 10 years, target to have an average of 8% annual return/ yield with interest/gains re-invested via DCA (monthly contribution). Double the asset size in 10 years time
2. Initial Investment amount: 100K (usd)
3. Time Horizon: From 2025 July
4. Asset Allocation: Initially will invest in US corporate bonds / treasuries with bond interest reinvested in index ETF
Bond ladder
1-3 yr 2026-28 can be high yield 15%
4-5 yr 2028-30 investment grade 20%
5-7 yr 2030-32 investment grade 30%
7-10 yr 2032-34 investment grade 20%
>10 yr >=2035 investment grade 15%
ETF Choices
XLK - initially focus on tech. sector ETF of low expense ratio
QQQ
VOO
