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How should I invest $1.5 million starting from scratch
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Date: April 11th, 2025 1:51 AM Author: vigorous ratface codepig (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48836792) |
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Date: April 11th, 2025 2:59 AM Author: Bronze misunderstood dilemma legend email me brother (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48836833) |
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Date: April 11th, 2025 6:19 PM Author: vigorous ratface codepig (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48839077) |
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Date: April 11th, 2025 6:19 PM Author: marvelous boistinker genital piercing SOXL otm calls (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48839079) |
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Date: April 11th, 2025 6:32 PM Author: Supple resort The below assumes this is basically all of your net worth. It would be different if you had a NW of $5MM beyond this $1.5MM.
---RIGHT NOW--- (1) Put $300k in a boring ETF like VOO (2) Put $200k in BTC (transfer to hardware wallet) (3) Put $100k in Ethereum + Solana (transfer to hardware wallet and stake) (4) Put remaining $900k in T Bills.
---THERAFTER FOR NOW--- (1) Each month sell $15k of T-Bills and buy $15k of a boring ETF like VOO (so you will put it all into the market after 60 months / 5 years).
---MOVING FORWARD--- If you're interested in real estate, buy an investment property to see if you like being in the real state game. If so, buy more (one at a time), place conservative leverage on it, and the rince and repeat -- but not beyond around 50% of your net worth. |
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Date: April 16th, 2025 12:00 PM Author: vigorous ratface codepig i like the conservatism but what is your thinking on the $900k t-bills. would you buy direct or go through a fund.
explain selling t bills in "therafter"
how to think about real estate? |
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Date: May 1st, 2025 11:12 PM Author: Diamond Dallas Trump replace "T-Bills" with "Boolberry and Dragonchain." (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48897856) |
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Date: April 16th, 2025 12:03 PM Author: Laughsome Talking Elastic Band 100% of it into S&P 500 index fund. Don't overthink this. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48852925) |
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Date: April 16th, 2025 2:47 PM Author: vigorous ratface codepig seems a little unwise (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853692) |
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Date: April 16th, 2025 2:48 PM Author: maize bipolar cruise ship prole he's a MAGAtard - don't take financial advice from him
stock market will tank even more this year |
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Date: April 16th, 2025 2:56 PM Author: vigorous ratface codepig do you have any thoughts then (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853726) |
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Date: April 16th, 2025 2:59 PM Author: maize bipolar cruise ship prole Mainly cash right now. Market will prob crash another 30%-40%. Maybe start DCAing when it's down another 25%-35%. Other than that you can a little gold stock (although it's at peak). I just bought some IAU (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853733) |
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Date: April 16th, 2025 3:11 PM Author: Bateful temple pistol Cash is a terrible investment. Euro is now 1.15 usd. That's a drop of 10% in the past few months. You must inflation protect your asset. Bitcoin just like gold isn't cheap now but it will be even more expensive in the future. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853789) |
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Date: April 16th, 2025 3:16 PM Author: maize bipolar cruise ship prole My cash is in a money market paying 4% on Vanguard
BTC is still risky AF You can put a little in there, but no more than 10% IMO
Also if you own a house, it doesn't matter as much if the dollar goes down in value
I don't do much forex trading, but if you're comfortable buying the Yen or Euro, then go for it
The last thing I would do is dump it in index funds right now |
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Date: April 16th, 2025 4:07 PM Author: Bateful temple pistol If Index funds drop 20% off peak, i.e. to 4800 it will be the same deal as 2022 when market dropped 20% while usd devalued by another 20 or 30%. Usd may not necessarily keep dropping against euro because once recession starts in euro they will actively devalue their currency but the purchasing power decreases either way. My house may go up a bit in $ terms, but so does my property tax, maintenance, insurance and homes are way overpriced now. That's why only bitcoin and profitable stocks work against inflation
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Date: April 16th, 2025 3:08 PM Author: Crusty pervert cr
he's jewish but somehow stupid with finances (and stupid in general) |
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Date: April 16th, 2025 4:37 PM Author: Laughsome Talking Elastic Band its a great idea
warren buffet says its a great idea and that thats what hed do if he were a retail investor
no better investment than broadly in american companies. lol at invsting in intl index funds.
and lmao at putting ur money in t bills. can't believe youd actually consider that.
has worked out very well for me.
if u want to be an idiot be my guest though. call your nearest edward jones advisor so you can buy whole life insurance and bonds, oh and dont forget to pick up some crypto |
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Date: April 16th, 2025 1:10 PM Author: dark zippy ticket booth multi-billionaire SPY strangles (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853246) |
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Date: April 16th, 2025 3:03 PM Author: Bateful temple pistol 1/2 in bitcoin (if buy anonymous will never have to worry about taxes or debt collectors from divorce or malpractice lawyers,etc). 1/2 amzn. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853748) |
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Date: April 16th, 2025 3:08 PM Author: Fuchsia histrionic corner watch YouTube a little bit and read an investing book and buy stocks and investments for sale (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48853769) |
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Date: April 16th, 2025 3:10 PM Author: Fragrant business firm giraffe 30% in BTC 35% in VTI 35% in VOO |
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Date: April 30th, 2025 11:38 AM Author: .,.,.;;,;.,..,:,,:,...,:::,...,:,.,.;.:...:.,:.::, (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48893376) |
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Date: April 30th, 2025 11:45 AM Author: Brussels Sprout: Brussels,Helsinki,Stockholm,Kyiv invest in what u know something about, insider knowledge (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48893415) |
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Date: April 30th, 2025 12:04 PM Author: TSINAH eating Jimmy John's in a gay bar Bet it all on black.
In all seriousness, there is no way to answer this question unless you also describe your financial goals and investment time horizons. The optimal investment strategy is very different if you are hoping to use the money to retire in 30 years versus use it to buy a second home in 1-2 years. |
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Date: April 30th, 2025 12:37 PM Author: .,.,.;;,;.,..,:,,:,...,:::,...,:,.,.;.:...:.,:.::, i am single mid 30s and just want to be free (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48893616) |
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Date: April 30th, 2025 12:40 PM Author: blow off some steam just mail it in and go Asian (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48893625) |
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Date: May 1st, 2025 1:03 AM Author: TSINAH eating Jimmy John's in a gay bar Wife? Kids? Living expenses? Things you want to do after you are "free"? If your goal is to quit being a wage slave, TT has proven that you can do that right now if you are willing to move overseas and live on the cheap. But if you want to ball out like RSF for the rest of your life, you are going to need a bit more. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48895522) |
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Date: May 1st, 2025 1:09 AM Author: .,.,.;;,;.,..,:,,:,...,:::,...,:,.,.;.:...:.,:.::, no family, no high effort or expensive relationships (maybe keeping options open by accumulating more $$ would be prudent but i don't feel anxious about relationships specifically atm). very low living expenses except rent. high paying job but would be nice to answer to nobody. there are some things that i could do on my own to make decent money but with heavy variability / uncertainty. ideally i'd do that on the side when i feel so inclined but mostly spend my time pursuing my own intellectual interests. really i just don't want to have to answer to anybody else or wake up feeling that i'm working on someone else's time.
maybe i could do a version of TT but i'm not self-exiling to se asia or anything like that. |
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Date: May 1st, 2025 10:57 PM Author: TSINAH eating Jimmy John's in a gay bar If you withdraw 4% of your portfolio per year, you have about a 80-85% chance of not running out of money over the course of 55-60 years. If you reduce the withdrawal rate to 3%, then you have a nearly 100% chance of not outliving your money. That would mean that would get $60k per year in the first scenario and $45k per year in the second scenario. If that is enough to live off of, then congratulations. Enjoy your retirement. If not, figure out how much you would need to live off of and multiply that number by about 25 or 30. That's your target number. If you are close to that number, invest conservatively (most bonds and cash). If you are further away, invest more in stocks. I can try to give more detailed advice if you can say how much you would need to cover your annual expenses in early retirement. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48897834) |
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Date: May 1st, 2025 11:00 PM Author: i gave my cousin head (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48897835) |
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Date: May 2nd, 2025 1:25 AM Author: Ai agent How do you learn these rules of thumb thank (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48898119) |
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Date: May 2nd, 2025 1:31 AM Author: blow off some steam chatgpt (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48898121) |
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Date: May 2nd, 2025 3:08 PM Author: i gave my cousin head (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48899444) |
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Date: May 2nd, 2025 2:38 PM Author: TSINAH eating Jimmy John's in a gay bar The "4% rule" is a very common rule of thumb in retirement planning. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48899347) |
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Date: May 2nd, 2025 3:13 PM Author: .,.,.;;,;.,..,:,,:,...,:::,...,:,.,.;.:...:.,:.::, i assume this follows the standard online calculator formulas (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48899458) |
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Date: May 2nd, 2025 12:23 AM Author: blow off some steam have you thought about going Asian? (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48898032) |
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Date: April 30th, 2025 12:48 PM Author: buck naked With 20-30% of it buy far out of the money puts or sell calls for premium near the old highs of any index, QQQ or whatever you like to watch. (http://www.autoadmit.com/thread.php?thread_id=5708984&forum_id=2)#48893645) |