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That’s a significant amount to work with! Here’s a diversified plan to balance growth and liquidity:

1. Appreciating Assets (70-80%)
a. Stocks and ETFs (40-50%)
- Individual Stocks: Focus on blue-chip companies with strong growth potential.
- ETFs: Diversify across sectors and geographies to mitigate risk.

b. Real Estate (20-30%)
- Residential Properties: Invest in high-demand areas for rental income and appreciation.
- Commercial Properties: Consider office spaces or retail properties in prime locations.

c. Private Equity and Venture Capital (10-15%)
- Private Equity Funds: Invest in established companies with growth potential.
- Venture Capital: Allocate a smaller portion to startups with high growth potential.

2. Stable Liquid Assets (20-30%)
a. Bonds (10-15%)
- Government Bonds: Low risk and stable returns.
- Corporate Bonds: Higher yields but slightly more risk.

b. Cash and Cash Equivalents (5-10%)
- High-Yield Savings Accounts: Easy access and better interest rates than regular savings.
- Money Market Funds: Low risk and highly liquid.

c. Short-Term Certificates of Deposit (CDs) (5-10%)
- CDs: Fixed interest rates and terms, providing stability and liquidity.

Additional Considerations
- Diversification: Spread investments across different asset classes to reduce risk.
- Professional Advice: Consult with a financial advisor to tailor the plan to your specific needs and risk tolerance.
- Regular Review: Periodically review and adjust your portfolio to align with market conditions and personal goals.

This plan aims to balance growth with liquidity, ensuring you have access to cash when needed while maximizing the potential for your assets to appreciate over time.