1200万如何投资，想退休了

Core Viewpoint - The article discusses the investment strategies and considerations for individuals looking to retire with a certain amount of savings, specifically focusing on a case where an individual has saved 12 million and is contemplating retirement while managing family expenses of 250,000 to 300,000 annually [1]. Investment Strategy - Defensive Layer: 40% allocation suggested, including 6% in money market funds, 20% in large time deposits, and 14% in bond funds [4]. - Core Layer: 35% allocation suggested, including 13% in CSI 300, 10% in dividend stocks, and 12% in S&P 500 [4]. - Satellite Layer: 25% allocation suggested, including 8% in CSI 500, 9% in NASDAQ 100, and 8% in gold [4]. Personal Experiences and Recommendations - One individual shared their experience of achieving a 30% annual return from 2007 to 2018, but cautioned against investing for those who are not experienced, suggesting that simply saving in a bank might be a safer option [3]. - Another individual emphasized the importance of adapting investment strategies to changing market conditions and maintaining a balanced portfolio of stocks and bonds [6]. - A different perspective suggested that with 12 million in savings, one could potentially live off the returns without needing to invest aggressively, as a 2.5% return would cover annual expenses [9]. Alternative Investment Ideas - A suggestion was made to invest in a strategy involving futures trading, where the individual could manage risk while generating income through premium collection [8]. - Another proposed a diversified portfolio focusing on high-dividend stocks and a mix of U.S. and satellite investments, with an emphasis on annual rebalancing [10].