>>62372148Buy a cute townhome in a sleepy part of town with a long term tenant with a good history of payments and then evict them for fun.
>>62372148VT and chill
>>62372148All SpaceX. You like Star Trek and Star Wars, don’t you?
>>6237214825% VOO25% VT25% VO25% VBLog in once a year and rebalance.
>>62372190There is no pump in the world that will make me fomo into that shit. You can have all the Spcx for yourself.
>>62372196Dont you think i should wait for a major correction? The AI bullshit got me concerned.
>>62372198Your lose, don’t go crying about all your missed Musk gains though
>>62372171>>62372196I instantly lose respect for someone if I learn they invest in vt
>>62372203Time in the market beats timing the market. Always. The AI bubble has years left in it, you will never be able to catch it correctly. The only people who get fucked in crashes are the ones who sell at the bottom like retards or invest on margin like giant retards. I certainly would never hold 90% out of the market waiting for a correction. Maybe 10-30%, but even that will hurt your gains overall most of the time.
>>62372231Nothing wrong with diversifying into international funds. You may prefer the ones that focus on specific regions, but most of them stick to non-shithole countries.
>>62372273If you dont want to lose money then buy bonds
Best bet is >>62372350Fixed income with a kicker that we enter a cyclical bond bull market. You've got money, no need to speculate. Take the safe bet. Buy TLT
>>62372148>millionaires ask /biz/ for financial adviceseems likely
>>62372148Polkadot crypto and Gauzy stockGoogle is your friend
>>62372203No. This kind of thinking is literally timing the market. Or to put it another way: you're attempting to optimize against unknowable local minima/maxima. You can't win, which is exactly why daytraders and options retards are eternally broke.Just put money in now, in the big broad index funds. CONTINUE to put money in - don't rely on one big blob, although $2m is a great start. Then wait for the long term. Never panic or sell in downturns.It's investing 101 and it still works.
>>62372203Also, remember that people's sense of time is absolute shit. What seems so incredibly severe one day is utterly forgotten 6 months from now. Let alone 2 years. Every prediction of doomsday is always predicated on someone's personal bone to pick (BUT TRUMP!). Civilization marches on and so do the markets. If they didn't, it's fucking armageddon anyway and your dead portfolio doesn't matter.
>>62372203Also, be aware that with $2m you are comfortably within the realm of real "wealth management". Whole teams of dudes with an actual human with a phone number that you can call whenever. You can meet with them a couple times a year and review things. They take a percentage, which sucks, but essentially you wash your hands of having to worry about anything. Just tell them your goals and let them do their thing.
>>62372268>The AI bubble has years left in itOr maybe less than one day. Hence your post is literally an attempt to time the market. I’m glad to see that you name it a bubble though. But why should I invest in a bubble? Do you ignore how bubbles inevitably end?>correctionThat’s not how a bubble ends.
>>62372148If you bought spacex on Friday you'd have 3m instead
>>62372711>>correction>That’s not how a bubble ends.Of course it is. It can be a big downswing, but it recovers. Or are you suggesting the stock market never recovered from the dot com bubble bursting, and that the DOW isn't 6x higher now than it was after it happened?Even the fucking great depression only took about 20 years to recover from. Every other blip since then has been a joke.
>>62372670Index funds are better if you just have 2 million IMO. Wealth management only makes sense if you have much more and need to trade OTC (because your orders would be too big), if you want lombard loans, if you have a complex ownership structure with trusts or cross-border entities, etc. Or if you’re going to die and you want your heir to have a reliable interlocutor because he’s too young (or too old) and not finance-savvy.
>>62372753It took 35 years (from 1989 to 2024) for the Japanese stock market to recover, 21 years (from 2000 to 2021) for the French stock market, etc.Yeah, it eventually recovers at some point; too bad you had to live your entire life in poverty, then died, before it happened.
honestly just vanguard no up down chop shitless taxesonly 5% a year but better than watching your life savings bounce around hundreds of thousands of dollars every year
>>62372148Youve already made it, park it all somewhere safe and live off of the 150k a year in dividends
>>62372148transfer half to euros. Keep most of rest in stable strategy not touching ai, ideally govt contracts or data centers, or energy production and storage with obvious leaving signs. Keep 25k in active trading/scalping account if you have the urge to keep touching money and letting it grow. When you're that far ahead, don't blow a lead trying to play slick. Just focus on stability. Ideally, gearing away from the US as our stupidity starts to cause "feedback"
All in SCHD
>>62372203>Dont you think i should wait for a major correction? The AI bullshit got me concerned.Unless you believe we are about to experience a Japan tier crash and recovery, trying to time the market is pointless. Even if you're worried, just DCA that 2 million and you'll be fine.
paint warhammer all day, thats what i do
>>62373708Fuck that is a juicy looking chart
>>62374276The think is that i dont want to risk too much now, i dont give a fuck if spaceaidataquantumbullshit does 10x, i am fine with the boring stuff until there is a major panic in the markets.
>All these stupid jeets telling you time in the market beats timing the market. Peak midwit advice. Ignorance is bliss. OP, I think you’re wise to wait, just sit comfy in SGOV for a few months
>>62374389Things are getting just too crazy. You can see major tech stocks jumping 10% in a day with astronomic pe ratios. Spcx is selling a tech dream even if it loses money. Datacenters in space? Da fuq?Nobody can explain how will AI generate those trillions in revenue. So idk, shit could still get crazier and crazier for a long time but i dont feel like risking too much. It feels like the big players are selling their shit right now.
>>62372350That's only true if you intend to hold to maturity. Bonds go down when interest rates go up
>>62372196what about VTI?
Trillions of super gay threads like this oneTell you what larper, if you actually had 2 million with 1.8 million in cash while the market is historically overbought, you fucking slap your money in a hysa and wait for the market to do a real honest to God correction.
>>62375390Aint that about the same as the VT?
>>62375401Which is what i am doing right now, but i am looking too into what is getting cheap now that the money goes to tech bullshit. And this is no larp.I am sitting on a pile of cash with no place to go outside fixed income.
>>62372148>keep all of it in a high interest money market account and collect 4-5% yield>just continue renting for now for your home>when every kol is bearish start buying in the markets again, buy 500k worth of chain link when link hits $5 and buy 500k btw and the last million into S&P 500. Simple and clean. >for cash flow for living expenses have a job if you don’t want to work, half all the investments and always keep 1 million in the high interest money market for your living expenses
>>62375481>500k btwBTC you stupid autocorrect
>>62375487500k of chain link? look, i am not very smart, but i am not that fucking retarded. Chain link has been one of the worse crypto shits to this day. Even 500k into btc feels too much for me.
>>62375504You don't have to take linkies seriously.
>>62372148Want to hangout?OHIO?
>>62375405Just go look at the actual indexes they follow>VT = FTSE Global All Cap Index>VTI = CRSP US Total Market IndexSo no, not the same at all. VTI is 100% US stocks. VT is a blend of 60% US stocks and 40% non-US. There's also VXUS which excludes the US entirely.>>6237214880% in SCHD, 20% GPIQ. Keep an eye on the SPX/USM2 chart. If it starts looking shaky, go back into cash.
>>62376031They should launch an ETF called Nasdaq without SPCX or SP500 without SPCX
>>62376078If you're that scared of SPCX then take GPIX over GPIQ. It's not in the S&P 500, yet. But really, anon, GPIQ offers you exposure to retard energy stocks without the obvious risks of holding it yourself. Knock it down to 10% if it scares you that much.
>>62376078Hey...
Invest in anonymintpm
In same boat as OP, also getting nervous this is the right move after a year of 95% cash. I’m barely keeping up with inflation (after tax) while spastics enjoy huge gains from 0 IQ index investing
>>62375401>Tell you what larper, if you actually had 2 million with 1.8 million in cash while the market is historically overbought, you fucking slap your money in a hysa and wait for the market to do a real honest to God correction.market's not overbought. we've had insane inflation and so assets inflate too
>ctrl-F>"gold" >"silver" >0 resultsPeople really don't know, do they
>>62378237>market's not overboughtSPX/USM2 blocks your path
>>62372203Trust your gut, anonDon't invest in something, especially that much, if its outside your risk appetite.Personally with 2M I'd start getting into vanguard divvies (personally I like voo, but it goes without saying don't go all in on one fund). Not enough to live off yet, but you can start compounding.
>>62372148Invest it in my startup. I need 1.4m for the round, but any money in will help get the ball rolling because those lemmings will jump right on after.
>>62372148Buy a book on finance, nigger.
>>62375504If it feels stupid then it’s genius. Don’t midwit it
I have $20M and literally don't know what to do with it, it's all sitting in a checking account
>>62375972Where at?
>>62372148Same like 800k cash and probably 80% of my folio if you exclude my house
>>62382145With 20M the situation changes a bit. Then i could put 5M in a bunch of stuff that is cheap and have a 4 year dca plan in the others.The difference is that 2M is not made it yet, but 20M definitely is.
>>62382145Invest in my startup.
>>62372148How did you get this 2 mil in cash? How old are you?
>>62384128Inheritance + investment in the last 3 years. I got out of the market almost completeley at about the same time of the spcx ipo.
>>6238412843 y/o
$DRAM
>>62372148All in Msci world and live of 4% of that.You can also buy a place, rent it, and when it paid itself live in it.
>>62372190Wait for it to dump before you FOMO in, or rather buy BTC dip. There are good BTCFI that offers native staking now, stake some and chill till the next bull run
>>62372711Even the dot com bubble (the largest in history) vanished over a 7 year timeline. Put your money in and stop worrying about it. You can't time the market. Don't invest money you expect to have to spend in the next 5 years. If you can't live with these parameters, the stock market is not for you. Buy T-bills or something. If you really think you can time bubbles and bear markets, then short the market. You will lose your ass but at least you will be taking a position. Your money sitting in cash is losing value to inflation every day.
>>62372670I am in that realm and those clowns do not do anything to deserve the 1% of my portfolio per year they charge. None of them. Keep in mind you are still going to be paying expense ratios and trading costs on any funds they put you in. It is a scam. If those fuckers were any good at "wealth management" they would only charge you a percent of the gains. Even better would be a percent of the gains in excess of the S&P. Of course none of them have the balls to do that. Fuck wealth management. Most of them will just do what I posted here:>>62372196or something similar anyway.
proly buy spx 6900 idk
>>62375390Also fine and can substitute for VOO or any of the other broad market index funds.
>>62388985Actually it is 15 years, not 7 years. Check your numbers better next time. Protip: we are mortals. We can't afford to hope to hold 15 years if we're planning to retire in 10 for example. Remember: 15 years is for breaking even, not for actually making any gains.
>>62378859I mean, look at the median projection for gold this year. It's like a +17% upside in 6 months.
>>62390254If people don't have at least a 10% allocation to PMs in the year of our Lord 2026 I don't know what the fuck they're doing honestly
>>62374386>The think is that i dont want to risk too much nowThen DCA it over a few years.
>>62390269The talmud says you should keep 1/3 of your income for personal expenses (i.e. fiat), 1/3 should be hidden away (think "under the mattress" but also keep in mind this means gold, not fiat), and 1/3 in risky assets.Jews know a thing or two about making money so I figure this is the right strategy, with some adjustments: because of the retarded fees on metals, I use metal ETFs instead of hiding away some gold. I use 2x leveraged US market as 'risky'. I also take the distribution off of leftover cash following all expenses, rather than off base income, since it's 2026 and you can't generally even pay bills on 1/3 of your income; in those days, only a tiny amount of bills existed particularly with housing being effectively free.
>>62372148Only faggots hold cash.Invest in index etfs, add some bond etfs, gold, and some btc to the mix and keep 10% as cash if you're that much of a faggot to volatility.
>>62390316When i say cash i mean fixed income, short time bond etfs, bonds, hysa. I am not very smart, but i am not retarded enough to keep much cash sitting in a bank account.
>>62372159Test
>>62390294>metal ETFsYou are missing the entire point of PMsThe fees are for delivery of something real
>>62390475The fees ruin the entire point of PMs. If you can get a whole bullion at a point it's fine, otherwise it makes no difference. There are multiple points in PMs and one of them is to long-term track inflation (doesn't work short term because it's manipulated and shit) but if you're losing 30% in and 30% out then it's pointless. Bullions have no such fees but you're not usually going to be able to get them in exact sets as you would need to make that work out.
>>62390490What the fuck are you talking about? You buy the metal, pay a commission of 6% at most if you're in a civilized area, and beat the stock market. It's quite simple.
>>62390514Looks like you haven't been reading the fineprint. It's the law. The 6% you're talking about is extra on top of this. It applies to all gold that isn't a full bullion.
>>62372148MCHP
Give to me, i know what to do with it
>>62389055Lived and invested though it, pal. 7 at most. I was even-money after 4. But if you want to magnify the risk side like chicken little, again, the stock market is probably not for you. Nothing wrong with T-bills and staying middle class. Some risk is unavoidable. If you need your money within 10 years, you need to be positioned much more conservatively and be comfortable with 5-6% gains.
>>62372148put it on morpho or YBmake sure to pick something delta neutral
>>6237438426% on the 5Y is not juicy bro
>>62374386>i dont want to risk too muchpick a stablecoin fusion vaultthey average 6%
>>62391031shit that crabs for a long time then tends to spike up when it breaks
>>62390902>real data does not exist>don't believe your lying little eyes>I'm 12 years old so I know everythingUnderageb& or clinically retarded?
>>62372148Feetsa>>62390901
>>62391044Stop shilling your polkaslop across the board sir
>>62372268> time in the market beats timing the marketunless you bought in at the peak of 2021 and held through 2022. not everyone's a bagholder with infinite patience.
>>62373708> muh dividendscongrats on the 8% yield while the rest of the market prints 20% gains
