If I have 10,000 RMB — the "Three-Three-Three" allocation plan for April 2026

If I have 10,000 RMB — the "Three-Three-Three" allocation plan for April 2026

I have 10,000 yuan in hand—whether you say it’s a lot or not, it’s neither too much nor too little. In April 2026, in this surreal moment when fighting in the Middle East hasn’t stopped, Trump is swinging the big stick of tariffs, and Federal Reserve rate cuts are nowhere in sight—how should you invest so you can both weather the blow and still chase returns?

My plan is a “Three-Three-Three” offense-and-defense combination:

First: 3,000 RMB → Gold ETF + Copper Mining Stocks (defense and counterattack)

Current XTI crude oil is $110, gold is above $4,600, and copper is $9,200. Geopolitical conflicts and trade protectionism will not disappear in the short term. Buy gold ETFs (such as GLD) or domestic gold funds, allocating 2,000 RMB. Put another 1,000 RMB into a copper mining ETF (COPX) or into leading companies like Zijin Mining—copper’s long-term green demand and the “U.S. stockpiling expectation” brought by Trump’s tariffs will provide support for copper prices.

Second: 3,000 RMB → Bitcoin + Ethereum (core flexibility)

Bitcoin is around $66,000, and Ethereum is around $2,000. Don’t go all-in at once—buy in three batches: first buy BTC worth 1,500 RMB (about 0.00023 BTC), and 1,000 RMB worth of ETH (about 0.5 ETH). The remaining 500 RMB is placed as buy orders at BTC $62,000 and ETH $1,800. If the Middle East suddenly stops firing, the market may see a wave of retaliatory rebound; if the conflict escalates, these two levels are also relatively strong support.

Third: 2,000 RMB → Bearish USD index options or inverse ETFs (hedging)

This is a bit against human nature, but the logic is: the USD index has already stood above 100.5, and Trump’s tariffs plus safe-haven demand have pushed it too high. Once there is substantive progress in the U.S.-Iran negotiations (for example, Turkey’s mediation succeeds), the dollar could drop quickly, and risk assets could rebound. Buy put options on UUP or go long on ETFs for non-USD currencies, using a small amount of money to bet on a turning point.

Finally: 2,000 RMB → Cash (keep it to save your life)

Don’t put it all in. Put 2,000 RMB into Gate’s financial management demand-deposit product, with an annualized yield of 4-5%, and it can be withdrawn at any time. If BTC suddenly plunges to below 60,000, this is your bottom-fishing ammunition.

Expected returns and risk: The maximum drawdown of this portfolio is controlled within 25%. If rate-cut expectations flare back up in the second half of the year or if the Middle East situation eases, annualized returns could reach 30-50%. If World War III really breaks out… then it doesn’t matter what you buy with 10,000 yuan; you might as well buy a good bottle of wine.

The above does not constitute investment advice—just an ordinary “retail investor” daydream. How would you allocate it? Chat in the comments.

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