great post. 响应贝兄的号召 too, mine:

Great post, A Bay. Here's mine:

I have roughly 2/3 assets in US and 1/3 in China. Of the assets in US, about half is in financial assets and the other half in real estate, mostly the principals in primary residence. In China, also about half in cash and half in real estate. Exited A shares June last year. May consider entering selectively again. As RMB is continously appreciating against dollar, I may move more money to China, even if it only earns 3% or 4% money market rate.


This year has been tough so far. Suffered loss due to Hong Kong market exposure. Like 168, I mostly invest in ETFs and funds because they are less risky. I am not a great stock picker. I also believe that probably 80% or 90% of the stock returns come from sector allocation. So as long as you pick the right fund/ETF, you still can achieve good returns without being exposed to too much individual stock risks.