The Plan

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

我將追蹤投資組合，例如定期報告績效、投資債券/ETF/股票的選擇、重新平衡

(re-balancing) 等。

# 慢即是快#    #穩定#    #持續#    #Investment with peace of mind#