The focus of buying US stocks is actually completely different from 10000 to 500000 Fans often ask the director how to allocate their funds to the US stock market I personally think that different amounts of funds require different problems to be solved Keep it simple within 10000 yuan, establish a bottom position around 50000 yuan, start building a portfolio with 200000 yuan, and focus on risk management after 500000 yuan The following amounts are calculated in RMB and default to using long-term idle funds Within 10000 RMB: First, establish investment habits When funds are limited, choosing 1-2 targets is sufficient If you want to follow the US stock market, you can look at VOO and VTI; Focusing on technological growth, you can pay attention to QQQM At this stage, familiarize yourself with fixed investments, open positions, and market fluctuations. Continuously increasing principal is usually more important than frequently chasing popular stocks 2 | 10000 to 50000 yuan: ETF foundation, adding a popular stock After the increase of funds, a structure of "core ETF+small position individual stocks" can be adopted The core part can be viewed through VOO, VTI, and QQQM; For individual stocks, you can choose a company from NVDA, PLTR, or AMZN that you are willing to track for a long time Control the number of targets at 2-3, and try to exercise restraint in positions in popular stocks to avoid a major drop affecting the entire account 3 | 50000 to 200000: Start laying out different popular directions At this stage, the account can be divided into core and offensive positions Core warehouse focuses on VOO and VTI; The offensive warehouse can cover different directions: AI computing power looks at NVDA Customize chips and networks to watch AVGO Viewing MU with high bandwidth memory AI software applications and PLTR Choose 2-3 popular stocks to avoid having a lot of positions that appear to be concentrated in the same AI industry chain 4 | 200000 to 500000: Popular stocks are responsible for offense, stable assets are responsible for defense After the account reaches several hundred thousand yuan, the amount fluctuation caused by market drawdown will be more significant The growth portion can retain popular directions such as NVDA, AVGO, MU, PLTR, etc; The stable part can be focused on cash management or bond ETFs such as BRK. B, SCHD, SGOV, BND, etc At this stage, it is necessary to check the total proportion of technology stocks and individual stock positions to prevent account performance from being determined by an industry 5 | Over 500000: Popular themes are only supplemented with combinations After the scale of funds continues to increase, the portfolio needs to balance growth, cash flow, and liquidity simultaneously Broad based ETFs can take core positions, high-quality companies and popular stocks can be used to increase returns, and dividends, short-term treasury bond bonds and bond assets can help reduce volatility Popular stocks can continue to be held, but the overall proportion needs to be controlled, while paying attention to exchange rates, account diversification, tax rules, and future money plans Overall, popular stocks can increase yield elasticity and amplify account volatility The more funds there are, the more important the position structure is usually than betting on one stock The above amount and subject matter are for reference only and do not constitute investment advice