Hi everyone, I have $350k currently sitting in my savings account and not generating any returns. I am hence looking for advice on how to best invest it for good long-term returns with however some edge to risks, especially knowing that the market is at an all time high. Here is one strategy I was potentially thinking about adopting. Please let me know your thoughts: - VTI: Vanguard Total Stock Market Index Fund ETF: 35% - VXUS: Vanguard Total International Stock Index Fund ETF: 25% - BND: Vanguard Total Bond Market Index Fund ETF: 3% - BNDX: Vanguard Total International Bond Index Fund ETF: 3% - GLD: SPDR Gold Trust: 3% - SLV: iShares Silver Trust: 3% - BTCUSD: Bitcoin: 3% - ETHUSD: Ethereum: 3% - CASH: 25% I would love to hear your feedback and recommendations. Thanks! #investments #personalfinance
When I am in doubt I split evenly between QQQ and SPY. Nothing more complicated is necessary if you are doing indexing . When I have money lying around and I have done my research, I put in individual stocks.
But QQQ and SPY have a 41% overlap, right? Why not investing in VTI instead?
investing in real estate maybe if you don’t own a home already.
I guess by taking a loan and aiming to lower as much as possible the cash contribution?
Yes use it for 20% downpayment.
That's still quite a bit in cash tbh
I was thinking of keeping some cash to invest it as a lump sum in case a big correction happens in the coming months. What do you think?
I would probably not invest a lump sum even in case of a correction as I think it might be hard to time for the bottom. Maybe spread your initial investment as well as remaining cash investment across weeks?
Either buy qqq little by little everyday or wait for it to drop to around d 320 and buy it all and forget it
All in AMC call
Price target if you don’t do options?
Give it to me and u need not to worry about then 😀
This is a very good diversified portfolio. I would go with it, one month at a time rather than putting all in one day.
I'll assume you're not planning on retiring soon. Whatever you have here is fine, the important part is to not dump all your money in the stock market all at once. Come up with a plan to dollar cost average in to these investments over the course of 6-12months. To critique the individual allocations based on personal opinion: 25% cash is very safe (a little too safe) especially if you're properly averaging in. Bonds are a pretty poor investment in this low interest rate environment, once interests rate go up their price will fall. Your international investments are a pretty high % of your stock portfolio and historically have performed worse than US stocks. And lastly I don't like inflation hedges like gold/crypto
So are you recommending to only split it between VTI, VSUX and CASH?
I’m more curious why you accrued this much with no strategy until now?
I didn't take enough time to educate myself about imvestments and hence ended up saving cash instead
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