There is no need to study thousands of US stocks one by one. Understanding these 18 mainstream ETFs first can already build a basic allocation framework They cover the core of the United States, growth technology, overseas markets, and bond gold, but many of them have similar positioning, and buying more may not necessarily be more diversified Holding VOO, SPY, and IVV simultaneously, the underlying logic is already very close When combined with QQ, VUG, VGT, and XLK, the weight of growth and technology often increases So I went through these 18 ETFs to see which ones can complement each other and which ones don't need to be bought repeatedly The core parts of the United States, VOO, IVV, SPY, and SPLG, are common entry points for configuring large American companies There are differences in rates, scale, and liquidity between them, but when it comes to long-term configuration, usually choosing one is enough If we want to have a wider coverage, even including small and medium-sized companies, VTI would be another way of thinking It's more like putting the entire US stock market into a portfolio together In the field of growth technology, QQQ, QQQM, VUG, and SCHG all lean towards large growth stocks VGT and XLK have increased the proportion of the technology industry This type of product is suitable for increasing the flexibility of the portfolio, but if there are too many positions stacked, the feeling of drawdown will also be more obvious Before buying, it is often more important to take a look at existing positions than to find an additional popular code For overseas markets, VXUS is suitable for those who do not want to split regional configurations If you have your own ideas about market distribution, you can also use VEA and VWO to cover developed markets and emerging markets respectively Bond gold is placed in the portfolio more to reduce the situation where assets only follow the fluctuations of the stock market BND and AGG are common bond options, SGOV focuses on short-term fund management, while GLDM provides an entry point for gold price allocation If you just want to put the combination together first, you can start with a few simple ideas -Provincial heart type VTI + VXUS The structure of the entire US market and overseas markets is relatively direct -Partial growth type VOO + QQQM + VXUS Based on the US market and incorporating a growth style, the portfolio volatility will also increase accordingly -Balanced type VOO+VXUS+BND+a small amount of GLDM Adding bonds and gold in addition to stocks to enrich asset sources The specific proportion still needs to be combined with the holding period, cash flow, and volatility tolerance There are 18 ETFs in the picture. Choose a core one first, and then supplement according to your own needs, which is usually easier to hold in the long run For investment knowledge sharing only, does not constitute investment advice