What is your portfolio % mix?

eBay / Eng
#yolo

eBay Eng

PRE
Microsoft
#yolomore
Mar 20, 2018 45 Comments

I will go:
Cash - 25%
Company Rsu - 28%
Index funds - 29%
401K - 16%
Individual stocks - 2%
Crypto - 0
Real estate - 0
Debts - 0

I just started out sometime back and wanted to know what is the general trend. Thanks :)

Edit: Age- 24, total value- $130k

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TOP 45 Comments
  • Airbnb Iceicebaby
    100% subway sandwiches
    Mar 20, 2018 1
    • Capital One / Eng mztgrmstr
      What percentage are toasted?
      Mar 20, 2018
  • Facebook public
    If you are just starting out and have a long time horizon consider upping your risk by getting more cash into stocks and individual stocks.
    Mar 20, 2018 5
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      I have specifically put aside some "extra" cash to invest in a correction
      Mar 20, 2018
    • Facebook public
      Can't time the market, many of have been waiting for that correction for 5 years now :)
      Mar 20, 2018
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      Hmm true. Maybe I should start dollar cost averaging into an index fund.
      Mar 20, 2018
    • Facebook public
      I keep cash for sales as well but already have a lot in the market as long as you are ok seeing 50% drops short term that is the way to go.
      Mar 20, 2018
    • Amazon Qwertyiuop
      Do a target date index fund.
      Mar 20, 2018
  • Amazon OTdS88
    50% hookers, 50% blow, 10% lemonade stand futures
    Mar 21, 2018 0
  • Facebook qualitypls
    10% rsu
    40% retirement funds, almost all sitting on cash instead of index/mutual funds
    25% cash in savings/CDs
    25% crypto

    I trade on my retirement account, have it deployed only a few a year if I spot a trade I want to take.
    Mar 20, 2018 7
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      How many years of experience? Do you own a house?
      Mar 20, 2018
    • Facebook qualitypls
      No house. I move a lot. Don't want 5:1 leverage for real estate. Never liked the responsibility of upkeep, not for me.

      6 years work experience.
      0 debt.
      Mar 20, 2018
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      Thanks for your take, something very different! Appreciate it :)
      Mar 20, 2018
    • Google Shocker
      You’re very similar to me.

      There seems to be a religion nowadays of the “right” financial strategy (e.g., 100% passive equity index fund if you’re in your 20s).

      IMO, that kind of thinking is short-sighted and reflects surface-level understanding of finance. It fails to take into account the possibilities of Black Swans, that the past never predicts the future. It’s the result of bad math, basically a macroeconomic view of the world.

      Good luck to that religion, but It’s much more rational to be conservative with your wealth, even if you give up some theoretical average gains based on BS macroeconomics and bad logic.
      Mar 21, 2018
    • Facebook qualitypls
      When that stuff is expounded by top investers like buffet, it's worth considering. And does work for most people who would have otherwise done active investing funds, or are emotional traders (most people, it's hard not to be at first. Hopefully don't blow all your money in beginning period).

      But indexing's underlying thesis is that the US economy will go up overall. Indexing would not have worked for the Japanese market, or any other country that has been stagnant for the last 20-30 years.
      Mar 21, 2018
  • Apple Elon Musk!
    Age? Total value?
    Index funds: 35%
    Company stock: 15%
    401k/ira: 20%
    Cash: 30%
    Mar 20, 2018 0
  • Wells Fargo bpiS06
    Cash - 6%
    401K - 60%
    Real Estate - 15%
    Index Funds-19%
    Mar 20, 2018 0
  • Microsoft MacroHard©
    Anything less than 100% VOO can be proven long term inferior. There is a google tech talk about this.
    Mar 20, 2018 7
    • Microsoft MacroHard©
      Even buffet advises VOO... The talk can be found on YouTube:. Google talk JL collins
      Mar 20, 2018
    • Google Facebook
      VOOG is even better
      Mar 20, 2018
    • Microsoft MacroHard©
      How would you summarize the difference? I actually hadn't heard of it
      Mar 20, 2018
    • Google Shocker
      Insane the surface-level understanding of math, risk, and finance the people who write these things so confidently have.

      You can’t prove anything like that. It’s absolutely absurd to claim that.
      Mar 21, 2018
    • Microsoft MacroHard©
      Going back to 1975 since vanguard started, no investment vehicle comes close, other than Berkshire and a few exceptions. It has been well studied. What's more insane is how many people haven't yet picked up on it.
      Mar 21, 2018
  • Microsoft Denny Way
    2.5 years experience

    50% equity in real estate asset (Seattle)
    15% employer stock
    10% Facebook (I know, f**k me) VGT, AMZN, Xilinx
    25% 401k in US large cap index
    0 crypto
    Few hundred bucks cash (precarious, gotta change this).
    Mar 20, 2018 6
    • Microsoft Denny Way
      It's negative at this point due to the mortgage.
      Mar 20, 2018
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      Got it. Thanks :)
      Mar 20, 2018
    • Microsoft Denny Way
      Y'all mofus on Blind asked me to buy in Seattle, so I went ahead and bought a place. Happy so far :)
      Mar 20, 2018
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      Haha nice single family home or condo?
      Mar 20, 2018
    • Microsoft Denny Way
      Condo man. Cannot afford SFH. Don't work at Netflix. Yet. Lol.
      Mar 20, 2018
  • Intel poiuytre
    80% Cash
    10% 401K
    10% Company stock
    Mar 21, 2018 4
    • Return to Your Power 1username
      Why so much cash?
      Mar 21, 2018
    • Intel poiuytre
      Silicon Valley real estate market
      Mar 21, 2018
    • Return to Your Power 1username
      Looking to buy residence or investment property?
      Mar 21, 2018
    • Intel poiuytre
      First home
      Mar 21, 2018
  • Apple [:|||:]
    60% real estate
    30% stock
    10% cash
    Thinking about moving money out of stock into something more valuable :)
    Mar 20, 2018 3
    • eBay / Eng
      #yolo

      eBay Eng

      PRE
      Microsoft
      #yolomore
      OP
      More valuable?
      Mar 20, 2018
    • Apple [:|||:]
      Well, I should rephrase it to "loosing less value whet shit hits the fan" :)
      Mar 21, 2018
    • Return to Your Power 1username
      If you can mentally handle your stock portfolio losing half of its value in a week w/o selling you should be fine :)
      Mar 21, 2018
  • 80% real estate
    12% RSU
    6% 401K
    2% cash
    Mar 20, 2018 0
  • Facebook yPRV73
    Trying to keep the ratio like this:

    35% stocks (company RSU, index, individual stocks, crypto)
    35% real estate (primary home)
    15% cash
    15% 401k
    Mar 20, 2018 0