I have 700k cash sitting in my money market account. I have been sitting on cash since 2016 waiting for that recession so I can perfectly time the market. And in the process I have lost ...not sure how much but a LOT.
So I have the following in mind.
- 33% - golden butterfly allocation
- 33% - dividend growth investing
- 33% - high savings account (wealthfront)
Let me know if this would protect me from the downside while giving me a decent amount of returns.
Here is a summary of all the nuggets that came out from this thread. Love it. Will updated when I plan my portfolio.
-VGRO for the win. ( probably VUG)
-three-fund portfolio Vanguard Total Stock Market Index Fund (VTSAX) Vanguard Total International Stock Index Fund (VTIAX) Vanguard Total Bond Market Fund (VBTLX)
-I personally like some international exposure so have 20% of my portfolio in VTIAX. Great article in international investing https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths
-SPCE. Bet it all on $40 June calls.
-You might consider a bogleheads
portfolio. Here is my set it and forget it allocation: 70% VTSAX (ETF equivalent is VTI) 20% VTIAX (ETF equivalent is VXUS) 10% VBTLX (ETF equivalent is BND)
-A very general rule of thumb is that your bond allocation should equal your age minus 10 (i.e., a 40-year old investor would own approximately 30% bonds, 70% stocks).
-I plan to dollar cost average into simple investments like the S&P, dividend growth fund DGRO (which I just love), and some bonds for safety. It’s very similar to VIG
-Everything into SPCE calls. Literally no risk ( are you serious?)
-if you want to mess with things, i would say swap the small cap value for dividend growth in the golden butterfly. ( Makes sense) having 33% of your 750k in high savings is DUMB. (thanks)
-Dollar cost average into the market. Select an appropriate asset allocation for your goals. ( Yes!!!)
-Be aware that the average return (say 6-7%) is not the same as as what you can realistically draw as an income.First, for a consistent income stream you need to inflation proof the principle.
-Also the portfolios that have been analyzed to death that can reliably support that are basically 50 to 70 percent broadly diverse equities and the difference in broadly diverse bonds (index funds with essentially no fees or loads of course). 6-12mo DTE AAPL/MSFT CALLS. LEHGO (Nah!)
-I would invest a small PORTION, into a mix of dividend stocks/etf, a mix of growth stocks/etf, and a mix of gold and gold miners. I wouldn’t do bonds personally, but I would consider high yield saving account if it is liquid and they payout interest often (daily) and I can transfer money quickly to take advantage of market opportunities. ( Dividend stocks and Growth stocks makes sense)
-I wouldn’t put everything in the market all at once. Start very small and add to your positions slowly until you get more comfortable and understand the market more. Always have some cash on the sideline to take advantage of potential opportunities. ( Will follow this advice)
-If it were my 700k I would invest in Dividend Kings and Aristocrats and let the yield on cost grow over the next decade or two. ( Thanks for letting me know, i will look into it more)
-My recommendation would be to DCA into a growth fund like VUG over the next 12-24 months. That will protect you from a sudden correction. Personally, I wouldn't invest in dividend/value tickers, especially if you're under 40. (I’d definitely do this, Thanks. I will do Dividend growth for the passive income)
-If I suddenly got $700K, I'd put it all in high-growth tech funds. (If this was 2015 and I were to d it again, I’d do it. FAANGU stocks might be at peak) However, there's still value to be found in this expensive market. For example, the banking sector still looks undervalued relative to the S&P. So you can probably divide your allocation between growth, value, and money market funds.
-bitcoin (Will run away from any crypto)
-Everything else which isn't that defensive cushion is a highly diversified portfolio of stocks which produce an average dividend of 1.7%. Having more cash or bonds than you need is typically going to underperform. VGRO for the win. Set it and forget it! (Probably not, I’d probably do a US growth fund)
-If you were to try to diy look up some ways to invest in non correlated asset classes that offer a higher rate of return while limiting down side. If you want dividends, I'm a fan on the high yield bond fund. Make sure you do your research as to what's actually in it, though, and balance your portfolio accordingly. Understand the risks involved in bonds, and the risks involved in bonds that pay 8%, before investing. ( I think VWINX is a good one)
-I'll throw out the two rock solid fundsI always recommend: Vwelx/vwinx. The divvy alone will at least keep your assets in the game, and if you look at '08 vwinx only took a 27% hit from previous highs. ( I like the VWINX more)
-Simply put your money into VTWAX. total world stock index. Maximum diversification. Low cost. Low risk as possible. (not too optimistic about the emerging market and frontier markets)
-30 houses in a cheap metro. (Too much work, I have a demanding full time job and collecting rents is no fun when you have difficult clients)
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