家庭理财求建议目前大概有10万的现金，预计4年后需要用这笔钱，现在想到的投资分配如下，之后定投也会按照这个百分比，请问这样的分配合适吗？ 1. 股票 - 20% 2. ETF - 30% 3. REITs - 20% 4. Bond ETF & preference shares - 30% 先谢谢了！ --- 该帖荣获当日十大第9，奖励楼主2分以及3华新币，时间：2018-03-21 22:00:05。 --- 该帖荣获当日十大第5，奖励楼主10分以及15华新币，时间：2018-03-22 22:00:01。

hwz的帖子太长了，我还没爬完基本上那本书里的内容，在hwz都能找到。只是合并在一起容易阅读。书末总结的quick guide如下 Step 1: Start an emergency fund. Save enough to cover six months’ expenses. Keep this money in a bank account where you can get to it immediately. Step 2: Insure yourself. Get a hospital plan, and if you have people dependent on you, get term life insurance for 20 years, with enough payout to cover five years of your income. Step 3: Take the money and split it into two piles. Figure "110 minus your age" is the percentage that will go into stocks, for capital growth and dividends; the rest goes into bonds, for income and stability. Step 4: Take the "stocks" pile and split it in half. Invest one half into an exchange-traded fund that tracks Singaporean stocks; invest the other half into an exchange-traded fund that tracks global stocks.（新加坡的ETF随便选G3B或者ES3都可以，区别不大;国外的ETF推荐LSE的IWDA） Step 5: Take the "bonds" pile and invest it into an exchange-traded fund that tracks Singapor (more...)