My spouse and I are 35 years old living

Answer

**Quick read**

You're in a good place to start: no high-interest debt, steady income, 10+ years, and you paused before signing either pitch. The whole-life "6%" and the friend's "100% tech+crypto" are concrete offers, but neither tells you what shape the whole $65,000 should take. Shape first, then read the pitch.

---

## Q1 + Q2 — Allocation shape across Cash / Bonds / Equities

Three rows, two tiers. A 10+ year horizon = the "5 年+" band.

| ow | What it does | Conservative (稳一点) | Growth (进一点) |
|---|---|---|---|
| Cash | Day-to-day + surprise buffer, not for outpacing inflation | 10–25% | 5–15% |
| Bonds / Fixed Income | Volatility buffer, known maturity | 25–45% | 15–35% |
| Equities (broad index) | Long-term growth; cost = can halve mid-journey | 35–60% | 50–80% |

These are ranges, not point targets. Pick the row that sounds like you, then choose numbers inside each range.

**You look more like Conservative when:**
- Either job could disappear within 12 months, or income is one-source
- A 35–50% drop in equities would force you to sell to cover living costs
- Watching a quarterly statement would change your sleep

**You look more like Growth when:**
- Both jobs are stable, income from more than one source
- You genuinely wouldn't touch this $65k for 10+ years (a real emergency fund sits outside this pile)
- A 50% drawdown would upset you but not change your plan

Most couples in your situation land between the two. The bands are wide on purpose.

**Self-checks before picking a product (you run these; I don't run them for you):**
1. **Account first** — open a brokerage or retirement account in your own names. For tax-advantaged US options, the rule source is irs.gov/retirement-plans.
2. **Broad-based only** — total-market or large-cap index. Sector, thematic, single-country (Nasdaq-100), or single-stock funds are not broad.
3. **No triple exposure** — if two products track the same index or share most top-10 holdings, you aren't diversified.
4. **Fees vs. peers** — if it's expensive, the issuer page has to say what you get for it.
5. **Match your time** — settlement and trading rules fit a 10+ year hold.
6. **Single currency** — both of you are US-based; no FX drag for now.
7. **Single-name concentration = your call + cost** — allowed, but understand the volatility cost. Your friend's "100% tech+crypto" is one such concentration: a high-volatility bet on a narrow slice, not a diversified plan. Whether to follow it is yours.

**On "buy now or wait?"**
That question can't be answered from a table. "All in Monday" vs "spread over 6 months" is your call. What I can offer as a check: look at your chosen account's minimum-per-trade and per-trade fee — if the fee meaningfully eats into what you'd put in, that changes the math of "spread vs lump," not the direction.

---

## Q3 — eading the whole-life "estimated 6%" pitch

You have a verbal pitch, not a contract. That alone is the first thing to fix. Below is a checklist. Every slot currently reads **未读取** — bring this to the bank as a request list, not as a verdict.

| Slot | What to find | Where to look | Status |
|---|---|---|---|
| Issuing carrier (盖章方) | Legal entity name on the policy | Policy form / NAIC carrier lookup | 未读取 |
| Seller = same as issuer? | Bank advisor's firm vs. the underwriting company | Carrier disclosure | 未读取 |
| Product type | Whole life / universal / variable / indexed UL | Illustration page 1 | 未读取 |
| Who guarantees what | Death benefit guaranteed? Cash value guaranteed? Or "illustrated" only? | Contract + illustration assumptions | 未读取 |
| Cash value / surrender value | Year-by-year table — what you actually get if you cancel | Illustration "non-forfeiture" / cash-value table | 未读取 |
| Free-look period | Days, and whether it runs from delivery or issue | Carrier disclosure + Ohio Dept. of Insurance | 未读取 |
| Premium period vs. lock-up | Years you must pay vs. years penalties apply | Policy contract | 未读取 |
| Fees & loads | Premium load, admin fee, cost of insurance, surrender charge schedule | Fee disclosure page | 未读取 |
| The "6%" | Which page shows it; net of fees or gross; guaranteed or non-guaranteed illustration? | Illustration, guaranteed vs. illustrated columns | 未读取 (口头承诺, 未写入合同) |

**Specifically on the "6%":**
- "Estimated / illustrated / projected" returns on a whole-life illustration are almost always **non-guaranteed** dividend scenarios.
- The guaranteed cash-value growth rate is usually much lower — often in the 2–4% range on the guaranteed column, sometimes less after fees.
- The 6% depends on the dividend scale, which the carrier can change every year.
- The real comparison number isn't the rate — it's the surrender value you'd see if you stopped in year 5, 10, 20. That's the number your $65,000 has to beat after fees and lock-up.

**Ask the bank advisor for these in writing:**
1. A signed illustration with both the **guaranteed** and **non-guaranteed (illustrated)** columns.
2. A year-by-year surrender value table for years 1, 5, 10, 20.
3. The full fee disclosure (loads, COI, admin, surrender charge schedule).
4. The carrier's NAIC complaint ratio (publicly searchable).
5. Confirmation of the Ohio free-look period from the Ohio Dept. of Insurance.

Only with the guaranteed column + surrender value + fees in hand can you put whole life next to a 5年+ allocation shape and ask "is the lock-up + fees worth the difference?" Without those pages, "6%" is a sales pitch, not a number to compare.

---

## Three concrete next steps (your choices, not a plan)

1. Pick your allocation row first (conservative / growth / in between) — before revisiting the whole-life offer. The offer is a product; the shape is the plan.
2. Ask the bank for the four written items above. If they can't or won't provide them on the spot, that's information too.
3. Set up the account in your own names and pick a broad-index fund. Compare the whole-life numbers to it only once you have both in writing.