40% Invesco QQQ Trust (QQQ), this is stocks.
40% iShares 20+ Year Treasury Bond ETF (TLT), this is bond.
20% SPDR Gold Shares (GLD), this is gold.

I have done backtesting many times on portfoliovisualizer.com, and from Jan 2005 to Sep 2018, the annual return is over 10%, and the max drawdown is 16%, compared with SPY, the annual return is about 8.7% and the max drawdown is about 51%.

The period inludes the 2008 financial crisis, and too many people had huge losses at that time.

You can check this backtesting image from portfoliovisualizer.com.

You just split your money according to the portfolio percentages, and balance them every several months.

Here is my recommendation for investing, focus on your job and make money regularly, then save money to do investing according to the portfolio suggestion, and you can be rich and retire earlier than you can imagine.

Want to start a new blog to record my technology and investing related journals. I have searched online and found more and more people begin using github.io to write blogs, and I want to try it too.

Here are several important commands I will use regularyly:

Create a new post

hexo new ‘post title’

Generate static files

hexo generate

Deploy to github

hexo deploy

Run the local server to test pages

hexo server

For details, please reference the first post whose title is ‘Hexo reference guide’.

Welcome to Hexo! This is your very first post. Check documentation for more info. If you get any problems when using Hexo, you can find the answer in troubleshooting or you can ask me on GitHub.

Quick Start

Create a new post

1

$ hexo new "My New Post"

More info: Writing

Run server

1

$ hexo server

More info: Server

Generate static files

1

$ hexo generate

More info: Generating

Deploy to remote sites

1

$ hexo deploy

More info: Deployment