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To develop a solid financial plan that ensures the majority of your $15 million is invested in
 appreciating assets, while maintaining a portion in stable, liquid assets, we can break it down into a
 diversified portfolio. This will balance growth, liquidity, and risk.
 1. Asset Allocation Strategy- 80% in Appreciating Assets (Growth and Long-term returns)- 20% in Stable and Liquid Assets (For immediate access to cash)
 2. Appreciating Assets (80%)
 a. Stocks (30-40% of Total Portfolio)
 US Stocks: Invest in large-cap, blue-chip companies via individual stocks or ETFs. Consider the
 S&P 500 ETF for exposure to the top US companies.
 Global Stocks: Diversify with international funds, such as the Vanguard Total International Stock
 Index Fund.
 Growth Stocks: Consider tech stocks or emerging sectors like AI, green energy, and biotech.
 Dividend-paying Stocks: Include high dividend-paying stocks or Dividend ETFs for consistent
 income.
 b. Real Estate (30% of Total Portfolio)
 Direct Real Estate Investment: Buy residential or commercial properties in growing markets.
 REITs: Invest in Real Estate Investment Trusts (REITs) for a more liquid option.
 Crowdfunding Platforms: Use platforms like Fundrise or RealtyMogul for diversified real estate
 exposure.
 c. Private Equity / Venture Capital (10%)
 Invest in private companies with high growth potential via venture capital funds or angel investing
 platforms.
Focus on sectors like tech startups, fintech, or healthcare.
 d. Bonds (10%)
 Corporate Bonds: Choose investment-grade bonds from highly rated companies.
 Municipal Bonds: Invest in tax-free municipal bonds from state and local governments.
 Treasury Bonds: Consider US government bonds for low-risk investment.
 3. Stable, Liquid Assets (20%)
 a. Cash / Money Market Accounts (5%)
 Keep a portion of the portfolio in cash or money market accounts for immediate access. Consider
 high-yield savings accounts from online banks for better interest rates.
 b. Short-term Bonds / Bond ETFs (5%)
 Invest in short-term bond funds, like iShares Short Treasury Bond ETF, for stable income and
 liquidity.
 TIPS can also hedge against inflation and offer liquidity.
 c. Certificates of Deposit (CDs) (5%)
 Consider laddered CDs for guaranteed returns with little risk. CDs offer higher interest than
 traditional savings accounts.
 d. Commodities / Gold / Silver (5%)
 Invest in physical precious metals or ETFs for a hedge against inflation. Consider SPDR Gold Trust
 or iShares Silver Trust.