Rolling from 1 million to 12.8 million, easily achieved with just these 12 ETFs! (Top ETFs suitable for different investors) Dividend investors 1. SCHD (Quality Dividend ETF) Core Introduction: Tracking high dividend and stable profit companies in the United States, focusing on high-quality companies with strong cash flow and sustainable dividend distribution, Positions include AbbVie, Chevron, etc., suitable for long-term investors who pursue stable dividends. Scale: Approximately 76.918 billion US dollars (as of January 2026) Rate: 0.06% Annual return in the past year: approximately 12.28% Maximum drawdown in the past year: approximately 16% 1 million investment for one year, with a return of approximately 122800 yuan 2. VYM (High Dividend ETF) Core introduction: Focusing on the stocks with the highest dividend yield in the S&P 1500 index, our holdings are mainly in traditional high dividend industries such as finance and energy, including JPMorgan, Exxon, etc., suitable for conservative investors who prefer high dividends. Scale: Approximately 71.488 billion US dollars (as of January 2026) Rate: 0.06% Annual return in the past year: approximately 5.91% Maximum drawdown in the past year: approximately 23.97% 1 million investment for one year, with a return of approximately 59100 yuan 3. VIG (Growth Dividend ETF) Core introduction: Select companies that have continuously increased dividends for more than 10 years, balancing dividend ability and growth potential. Positions include Microsoft, JPMorgan, etc., suitable for investors who hope to achieve "dividend+growth" dual income. Scale: Approximately 109.624 billion US dollars (November 2025) Rate: 0.05% Annual return in the past year: approximately 13.88% Maximum drawdown in the past year: approximately 15.8% 1 million investment for one year, with a return of approximately 138800 yuan Technology investors 1. QQQ (NASDAQ 100 ETF) Core Introduction: Tracking the Nasdaq 100 Index, with heavy holdings in top global technology giants such as NVIDIA, Microsoft, and Apple, it is a benchmark product for global technology investment and suitable for investors who are optimistic about the long-term growth of the technology industry. Scale: Approximately 412.13 billion US dollars (January 2026) Rate: 0.20% Annual return in the past year: approximately 18.81% Maximum drawdown in the past year: approximately 25.5% 1 million investment for one year, with a return of approximately 188100 yuan 2. VUG (Growth Stock ETF) Core Introduction: Focusing on the large cap growth stocks in the S&P 500 index, with high technological content, highly overlapping positions with QQ but more diversified industries, relatively mild volatility, suitable for technology investors who balance returns and risks. Scale: Approximately 206.739 billion US dollars (as of January 2026) Rate: 0.04% Annual return in the past year: approximately 16.47% Maximum drawdown in the past year: approximately 17.4% 1 million investment for one year, with a return of approximately 164700 yuan 3. VGT (Pure Technology ETF) Core introduction: Covering the entire information technology industry in the United States, the positions are concentrated in semiconductor, software, Internet and other scientific and technological subdivisions, and the purity of science and technology is extremely high. It is suitable for radical investors to bet on the outbreak of the technology industry. Scale: Approximately 116.664 billion US dollars (as of January 2026) Rate: 0.09% Annual return in the past year: approximately 24.67% Maximum drawdown in the past year: approximately 27.23% 1 million investment for one year, with a return of approximately 246700 yuan Balanced investor 1. VOO (S&P 500 ETF) Core Introduction: Tracking the S&P 500 Index, one click buying of 500 leading companies in the United States, covering the entire industry of finance, technology, consumption, etc. It is one of the largest broad-based ETFs in the world, suitable for investors who pursue average market returns. Scale: Approximately $1.47 trillion (January 2026) Rate: 0.03% Annual return in the past year: approximately 14.76% Maximum drawdown in the past year: approximately 21.21% 1 million investment for one year, with a return of approximately 147600 yuan 2. VTI (overall US market) Core Introduction: Covering the entire US stock market, including large cap, mid cap, and small cap stocks, more diversified than VOO, able to capture market wide returns, suitable for investors who want to fully allocate to the US stock market. Scale: Approximately $2.06 trillion (January 2026) Rate: 0.03% Annual return in the past year: approximately 14.34% Maximum drawdown in the past year: about 12% 1 million investment for one year, with a return of approximately 143400 yuan 3. VT (Global Total ETF) Core Introduction: One click configuration of global stock markets, including stocks from the United States and other countries, truly achieving global diversification, suitable for investors who reduce single market risks and pursue stable long-term returns. Scale: Approximately 62.561 billion US dollars (as of January 2026) Rate: 0.06% Annual return in the past year: approximately 11.37% Maximum drawdown in the past year: approximately 11.37% 1 million investment for one year, with a return of approximately 113700 yuan Global Investors 1. VWO (Emerging Markets) Core Introduction: Tracking the FTSE Emerging Markets Index, holding positions in emerging market leaders such as TSMC, Tencent, Alibaba, etc., focusing on high growth potential markets, suitable for investors who layout global growth opportunities. Scale: Approximately 155.791 billion US dollars (as of January 2026) Rate: 0.07% Annual return in the past year: approximately 24.15% Maximum drawdown in the past year: approximately 14.6% 1 million investment for one year, with a return of approximately 241500 yuan 2. VXUS (developed markets outside the United States) Core Introduction: Covering developed markets worldwide outside of the United States, including mature economies such as Europe and Japan, it diversifies single market risks and is suitable for investors who wish to invest in developed markets worldwide. Scale: Approximately 126.2 billion US dollars (as of December 2025) Rate: 0.05% Annual return in the past year: approximately 26.98% Maximum drawdown in the past year: approximately 13.84% 1 million investment for one year, with a return of approximately 269800 yuan 3. IXUS (developed markets outside the United States) Core Introduction: Issued by BlackRock, it tracks MSCI Global ex US indices and is similar to VXUS investment targets with slightly higher fees, making it suitable as a supplementary tool for global allocation. Scale: Approximately $50.439 billion (as of December 2025) Rate: 0.07% Annual return in the past year: approximately 31.52% Maximum drawdown in the past year: approximately 13.75% 1 million investment for one year, with a return of approximately 315200 yuan In the end, many brothers didn't know how to choose. Let me tell you, if I had my own plan, you would evenly distribute 1 million to 12 ETFs, with an average purchase amount of 833300 yuan per ETF. The overall annualized return rate would be approximately 17.93%, and rolling from 1 million to 12.8 million would only require holding for 15 years.