Group 1 - The article discusses ETF asset allocation strategies based on different life stages: aggressive for youth, balanced for middle age, and conservative for pre-retirement or retired individuals [1] Group 2 - For the aggressive strategy in the youth stage (ages 18-40), the recommended asset allocation is 30% core stock ETFs, 50% satellite stock ETFs, and 20% bond ETFs, focusing on enhancing the offensive capability of the portfolio [2] Group 3 - In the balanced strategy for the middle age stage (ages 41-60), the suggested allocation is 40% bond ETFs, 40% core stock ETFs, and 20% satellite stock ETFs, aiming for a mix of growth and stability to adapt to various market conditions [3] Group 4 - The conservative strategy for the pre-retirement or retired stage (ages 60 and above) recommends an allocation of 70% bond ETFs, 25% core stock ETFs, and 5% satellite stock ETFs, prioritizing low volatility and stable income to support retirement living [4]