The Cost of Under-Diversification | Lucid Financial Planning

Concentrate $1 million in one asset or spread it across several — see how allocation shaped growth and drawdowns over 37 years. Illustrative only.

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Asset Comparison — Watch one sum travel through six asset classes over a century — real paths, real crashes, no forecasts. An interactive, educational comparison.
Disclosures Zh — Lucid 提供与不提供的服务、收费方式，以及利益冲突的处理原则。
Asset Comparison Zh — 从六个资产类别里任选。看同一笔钱在每一个里各自穿行——真实的路径、真实的崩盘。这不是排名，也不是预测。
Services Zh — 从免费初步沟通、$2,000 方案审阅，到结构诊断与完整规划——五个清晰的台阶，每一步的费用都事先讲明。
Disclosures — What Lucid Financial Planning does and does not provide, how we are compensated, and how conflicts of interest are handled.
Terms Zh — 使用 Lucid 网站（含计算器与模拟器）的相关条款。
About — Founded by Lucinda Xue, CFP®, after seven-plus years in Canadian wealth management. Independent, planning-led advice for cross-border families.
About Zh — 由薛源（CFP®）创立，拥有七年以上加拿大财富管理经验。为跨境华人家庭提供独立、以规划为本的建议。
Terms — Terms governing the use of the Lucid Financial Planning website, including its calculators and simulators.
Estate Gap Zh — Estate Gap Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Stress Test Zh — 三个简单的问题，不用填金额、无需注册——帮你找出财务安排里最该检查的那一环。
Privacy Zh — Lucid 如何收集、使用与保护你通过本网站提交的个人信息。
Faq Zh — 国内卖房的钱转来加拿大要交税吗？加拿大有遗产税吗？T1135 没报会怎样？跨境家庭最常问的 8 个问题。
Crisis Simulator Zh — 选一次真实的市场危机。看两条路径——纯现金，以及现金加结构性借贷——如何下跌，又在数年后各自身处何方。历史数据仅作说明用途。
Contact — Based in Coal Harbour, Vancouver. A no-pressure introductory conversation — virtual across Canada, or in person by appointment.
Property Simulator — Pick a real property crisis. See how prices fell and recovered — and how your down payment changes the equity you'd actually hold. Illustrative only.
How We Work Zh — 从理解你的处境开始：先诊断，再规划，需要时协助执行。固定费用、事前透明——为财富横跨中加两地的家庭而设。
Lifestyle Inflation Zh — Lifestyle Inflation Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Readiness Check Zh — 10 个问题，3 分钟，看看你的跨境财务结构有没有值得注意的缝隙。不留信息，即测即看。
Letters — Describe the cross-border financial question weighing on you — anonymously. We regularly select representative letters and answer them publicly.
Newsletter Admin — Newsletter Admin on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Home Zh — 为在中国、香港、美国与加拿大之间管理财富的华人家庭，提供独立、以规划为本的财务建议。中英双语、纯收费、不受产品压力左右。
Fee Drag Zh — Fee Drag Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Lifestyle Inflation — Lifestyle Inflation on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Departure Tax — Departure Tax on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Engagement Letter Zh — Engagement Letter Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Property Simulator Zh — 选一次真实的房产危机，看房价如何下跌、又如何恢复——再看看不同的融资方式，会让你实际持有的权益呈现出怎样不同的画面。
Crisis Simulator — Pick a real market crisis and see how two paths — plain cash, and cash with structured borrowing — fell and recovered. Illustrative only.
Article — Analysis on cross-border tax, estate, investment structures, and the decisions behind them — written for families with wealth in two countries.
Departure Tax Zh — Departure Tax Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Article Zh — 为跨境家庭而写的深度文章：税务、传承、投资结构，以及这些决定背后的判断。
Letters Zh — 匿名写下你正在面对的跨境财务问题。我们定期挑选有代表性的来信，隐去细节后公开回答。
Insights — In-depth articles on cross-border wealth: tax timing, estate structure, reporting, and the decisions Chinese-Canadian families face.
Readiness Check — Ten questions, three minutes: see whether your cross-border financial structure has gaps worth looking at. No sign-up, nothing collected.
Stress Test — Three quick questions to find the part of your wealth structure most worth a second look. No figures, no sign-up.
How We Work — Judgment, not activity. A diagnose-first, integrated process for families whose wealth spans more than one country. Fee-based and objective.
Diversification Simulator Zh — 把一百万集中在单一资产，或分散到几类资产。过去37年，两者的差别体现在两处：增长了多少，以及最深跌了多少。
Privacy — How Lucid Financial Planning collects, uses, and protects personal information submitted through this website.
Engagement Letter — Engagement Letter on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Insights Zh — 关于跨境财富的深度文章：税务时点、遗产结构、申报义务，以及华人跨境家庭真正要面对的那些决定。
Services — Five clear steps — from a free conversation and a $2,000 second opinion to a structural diagnostic and the full plan. Every fee set out before work begins.
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Fee Drag — Fee Drag on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Tools Zh — Tools Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Estate Gap — Estate Gap on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Tools — Tools on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Faq — Will money from selling property in China be taxed in Canada? Is there inheritance tax? What about the T1135? Eight questions cross-border families ask most.
Contact Zh — 立足温哥华 Coal Harbour。一次无压力的初步交流——全加拿大线上，或预约制当面会谈。