Deep seek 的投資建議比投資顧問的更靠譜：現在如何投資100萬美刀？

Portfolio Snapshot:

- **Equities ($800K)**:

- $320K VTI (US Total Market)

- $160K VOO (SP 500)

- $80K VXUS (International)

- $80K Sector ETFs (Tech/Healthcare)

- $80K Dividend ETFs + $80K Individual Stocks

- **Bonds ($150K)**: BND (Aggregate Bond ETF)

- **Cash ($50K)**: High-yield savings or short-term Treasuries.

真的是麵麵俱到，還考慮到了tax efficiency.

穩健而又能成長。