Deep seek 的投资建议比投资顾问的更靠谱：现在如何投资100万美刀？

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.

真的是面面俱到，还考虑到了tax efficiency.

稳健而又能成长。