我说的是这个

Suggested Enhanced Portfolio (Age 63)

 

ETF	Allocation	Role
VTI (Total Market)	30%	Core U.S. equity (better than VOO)
VXUS (International)	15%	Global diversification
SCHD (Dividend)	15%	Income + stability
QQQM (Growth)	10%	Tech exposure
SGOV or SCHO	30%	Cash buffer