Introduction:
"Believe in the fate of China and invest Nasdaq regularly" has been the slogan of Chinese investors for a long time. In the past two years, the differences between the China stock market and the US stock market have become more and more obvious, which has aroused the idea of global asset allocation for many Chinese investors.
How to conduct overseas asset allocation, how to invest in US dollars and Nasdaq ETFs through the easiest way? What are the returns and risks? This article will be introduced in detail by Coco, the exclusive investment officer of RockFlow VIP, to introduce the stable US dollar investment strategy and ETF investment plan.
RockFlow will continue to share high-quality investment strategies and useful tools for the US stock market. For a detailed understanding of the basic knowledge and advanced guide of US stock investment, you can refer to multiple articles previously published by RockFlow:
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1. How to choose Wealth Management Plan?
Money Box
If you deposit US dollars in the bank, the interest rate is too low. If you want higher interest rates, you need to deposit them for at least six months.
RockFlow's "Money Box" function is essentially a diversified combination of US dollar funds, allowing you to store idle funds that are temporarily unused and earn interest income every day. Temporary storage of funds can also wait for better trading opportunities.
RockFlow "Money Box" is a T + 1 current wealth management product with high liquidity, 0 transaction fees, easy trading, and the latest annualized interest rate is as high as 4%.
Click on the Money Box on the "Assets" page in the RockFlow App - select "Transfer Cash" - enter the amount and confirm "Transfer" - the transfer is successful, and the operation can be completed in 1 minute.
Rock Earn
Rock Earn is the latest wealth management product launched by RockFlow, with an expected annualized return of 5% -6%. Investment targets include combinations of US dollar money market funds, US Treasury bonds, and Better Buy. With AI algorithms and financial mathematical quantitative indicators, it finely balances returns and risks, ensures stable strategies and locks in risks, and achieves excellent profit potential on this basis.
How to participate in Rock Earn? It is available every 7 days. The subscription starts at 12:00 noon on Sunday and ends at 12:00 noon next Sunday. The automatic renewal plan can be set up.
At present, the minimum purchase amount for each product per person is $5,000, and each product is sold when it is full. First come, first served.
Each product of Rock Earn will obtain excess returns by combining with other product strategies on the basis of ensuring the safety cushion of returns, and will continue to accumulate, so that the product can effectively hedge market fluctuations and fully ensure the stability of the strategy. This wealth management strategy has been polished for many years. Backtesting data shows that the annualized return of the last 20 products is 100% consistent with the predicted annualized return range at the time of subscription. The strategy is very mature and has been verified multiple times.
2. Invest in ETF
In addition to ultra-stable wealth management, investors who hope to pursue certain returns and can bear appropriate risks can track the long-term excellent performance of the US stock market by buying US market ETFs such as Nasdaq, S&P, and Dow Jones, outperform inflation, and obtain returns at the average level of the US stock market (very considerable).
Since the end of the last financial crisis, the bull market of the US stock market has lasted for more than a decade. Since 2009, the total increase of the US stock index has exceeded 660%. There are many reasons for the long-term bull market - the stable performance of the US economy, the long-term good momentum of technological innovation, and the continuous growth of multiple pillar industries. Currently, the US stock market dominates the global stock market (accounting for about 60% of the global stock market value).
Considering the long-term superior performance of US tech giant and Financial Marekt, it is obviously reasonable to choose the three major US stock index ETFs - S&P (SPY), Nasdaq (QQQ), and Dow Jones (DIA). Investing in the three major US stock index ETFs means believing in the deep liquidity, strong innovation ability, and long-term growth potential of the US stock market in the technology and consumer sectors. By allocating ETFs such as Nasdaq and S&P, it helps to diversify risk, capture long-term opportunities, and achieve stable appreciation.
Here is the price trend chart and specific performance of the three major US stock index ETFs in the past two years.
S&P 500 Index ETF-SPY
Total increase: 42.75%, Compound annual growth rate: 19.48%
NASDAQ 100 Index ETF-QQQ
Total increase: 69.82%, Compound annual growth rate: 30.31%
Dow Jones Index ETF-DIA
Total increase: 25.83%, Compound annual growth rate: 12.17%
Why consider ETF instead of individual companies or stocks? Because it is a special form of fund: publishers buy all the stocks tracked by an index, merge them together to form a new fund, and then divide them into small pieces to sell on the stock market. Buying this ETF is equivalent to buying all the stocks of this index. It allows ordinary investors to invest in multiple assets at the same time, while also having high liquidity and flexibility, and with low management fees.
S&P 500 and Nasdaq ETFs are particularly suitable for medium and long-term investors to invest regularly (buying at a fixed time and amount every month or quarter), because they value the "trend" and do not want to study the performance of various companies. They do not want to see their accounts fluctuate greatly due to unexpected events.
The following picture is a RockFlow US stock index ETF stock order. Scan the QR code to open it and place an order with one click to complete the US stock ETF Asset Allocation.
3. Summary
RockFlow's Money Box and Rock Earn are created for users with low risk preferences. Among them, Money Box is equivalent to current wealth management, which is very convenient to deposit and withdraw at any time. Rock Earn is a 7-day fixed-term wealth management, with a higher yield than Money Box.
Everyone can consider the idea of diversified investment.
Money that needs to be used at any time to buy Money Box, which has the best liquidity. Don't have any ideas for next week？You can buy a Rock Earn lock for 7 days. If you hope to achieve higher returns through long-term investment, you can consider investing in index ETFs, such as S&P and Nasdaq ETFs.
4. About RockFlow
RockFlow headquarters is located in Singapore. It is an AI fintech company that has received investment support from multiple top Silicon Valley dollar funds. It is committed to achieving financial equality through AI, allowing everyone to easily experience the joy of simple investment.
In the AI era, we are committed to providing global investors with integrated investment management services across markets and multiple assets. We now support trading of US stocks, Hong Kong stocks, and US stock ETFs, and will gradually expand to futures, foreign exchange, funds, digital assets, and other rich asset categories. In the future, RockFlow will also provide more innovative AI financial products and asset management services to further create value for users.
RockFlow is trusted by top global financial institutions and Silicon Valley dollar funds, with partners including BlueRun Ventures, Interactive Brokers, NASDAQ, Reuters, ICE Intercontinental Exchange, etc. According to financial regulatory requirements, customer funds are strictly deposited in customer fund custody accounts of Singapore banks, and user funds will be kept independently. Unless following customer trading instructions or under legal obligations, customer funds are not authorized to be used.
RockFlow now supports minimalist account opening and deposit - easily open an account in 3 minutes and experience US stock trading. It currently supports 26 currencies worldwide and can be easily deposited through various methods such as local bank transfer, Visa/Master card, digital wallet, and telegraphic transfer.
In addition, RockFlow provides customers with comprehensive professional services, including but not limited to:
1）Personalized Global Asset Allocation
Based on macro market analysis and fundamental research, RockFlow customizes global Asset Allocation solutions for clients, covering global mainstream and emerging country/region index ETFs, popular industry and theme ETFs, and capturing excess returns in all aspects of the long term.
2）AI intelligent stock investment
RockFlow investment team and financial mathematics team carefully research and create multi-dimensional stock orders, including investment research, hot topics, quantitative and mystical investment strategies, etc. Customers can intelligently place orders with one click based on their interested investment themes.
3）Professional high net worth client investment services
RockFlow has built a comprehensive investment education service system, timely follow up user requests, solve user confusion in the investment process, and provide personalized investment strategy customization and position management services for high net worth users.
Author Profile:
The RockFlow research team has a long-term focus on high-quality companies in the US stock market, emerging markets such as Latin America and Southeast Asia, and high potential industries such as encryption and biotechnology. The core members of the team come from top technology companies and financial institutions such as Facebook, Baidu, ByteDance, Huawei, Goldman Sachs, CITIC Securities, etc. Most of them graduated from top universities such as Massachusetts Institute of Technology, University of California, Berkeley, Nanyang Technological Institute, Tsinghua University, and Fudan University.
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