SPY

Pal3-Assignment

SPY is up over 70% in five years BTC is only up 38% in that same time

burusai

Yeah. It really comes down to when the strait is opened again. Oil prices are irrational right now. Supply is drying up quickly. But for some reason the fallout doesn’t seem priced in. SPY setting new ATH in the middle of chaos.

colemusic1

i gotta say, i’ve never quite understood the idea either btc — even as the deepest liquidity crypto asset as being merely just a blind dca every month regardless of price. by all means, absolutely do you. i think that’s great if it’s something you’re trying to reach, but unlike etf’s where entries are almost irrelevant if you’re dca’ing at a fixed amount monthly — btc is still extremely volatile, constantly moving in cycles. i never quite understood the idea of buying it at any given price. people will often find their actual genuine avg buying cost basis will be significantly lower if they’re buying and selling at the right times during cycles. but again that’s not financial advice — i just feel like it makes more sense to treat it like it is, a crypto asset, rather than an ETF such as SPY where dca’ing regardless of price really does work in the long term thanks to multi-year compounding and predictable growth

WDTBB

SPY

4xtraderr

Okay that’s good bitcoin is still trash invest in SPY better bang

4xtraderr

Invest into SPY better bang for your bucks Bitcoin is trash I wouldn’t even invest into Bitcoin unless it’s below $30k

callebbb

What are you talking about. You can cherry pick dates all you want, but I’ll cherry pick some. March 2020 it went to $3.5k a coin. March of 2025 (5 years) it’s in the 80s. It went to a high not more than a year later (2021) in the 60s. All time high of 120k. Since lows of 2020 you’ve got a 35x gain. +3500% S&P 500 (SPY) did well cherry picking too. A low of 282, recovered a year later to ~400. Low of 2020 to ATH of 709, a modest 1.85x increase. 185% gain from trough to peak. 🤷. Seems like Bitcoin did better. But sure, I’m sure you have a date range that makes me look bad and your altcoins look incredible.

oki_sauce

Use a ETF overlap cause you have a good amount of overlap in these ETFS. Im assuming youre young and thst means you can take risk. Crypto is bad. Btc is good. The further you go down the line, the riskier and/or more volatile you get. Look into international etfs like VXUS too. Also, just because you have overlap doesnt mean you need to sell them, just start reinvesting your dividends into something else. schb also has higher expense ratio, so you are paying more. Nobody suggests buying SPY for example because the expense ratio is high. You can find something that measures the same fund but at lower expense like SPYM

sarcastic_bastard

The only answer is ETFs and more specifically SPY and VTI. Stocks require knowledge and experience and crypto is, well, gambling.

hewhosleepsnot

Diversification. I’m nearly all in stocks as, despite recent upturns due to oil, I am not a USD bull and hate holding cash. I have 1-2% in crypto (BTC ETH SOL primarily) 1-2% in physical items (Lego gold collectibles), rest stocks and ETFs with a half year of savings in a HYSA. Tech stocks beaten down right now so if not think AI going to replace them all then I like GOoG, msft, NVDA, meta. Bit late to try and get in on oil and tankers unless think Iran going to escalate or continue for longer and no TACO tonight. IAU for more exposure to gold tha you don’t have to hold and protect. Look for something with reasonable valuation and long term uptrends. ETFs are always great as can set and forget. VXUS, SPY, emerging market ETFs etc.

ItsPickles

It’s not a bad idea. Diversifying just dilutes your exposure to risk. Might as well just invest in SPY and call it a day. Diversifying makes no sense if you are trying to beat the market. If you aren’t trying to beat the market, then just invest in an index fund.

ScholarPrize1335

Yea it's absolutely crushed SPY and gold over that 5 year time frame 😜

Excellent_Load9336

since 2021, Altcoins havent recovered 2022 bear market. BTC made highs and dropped, QQQs and SPY near ATH, gold and silver hit moon... where are we going? will altcoins ever recover? What can cause it to outperform rest of market? will it atleast recover?

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GonnaGetHop-Ons

It is an oversimplification but this asset has built what I consider a pretty reasonable track record at this point. I think any dollar invested in BTC right now is PRETTY likely to return 300% within 3 years. If BTC doesn’t hit over $180K in the next few years then something is broken and I’ll eat crow. Anyone who has taken some lumps on this pullback could realize those losses and pivot into VTI, VOO or SPY or something and hope for what? 3 years of 30%/year growth on the craziest of timelines? All that said, I still max my Roth and put some into my 401K (no company match). But the rest is piling in right now. We may go touch $40K and I’ll DCA all the way down but selling right now unless you can’t make the mortgage payment seems…inadvisable.

TtradesTOwin

If you regularly buy quality assets (regardless of short term price fluctuations), you will likely build significant wealth. This hold true for stock indices (I buy SPY and VOO), physical gold, and especially BTC. Happy buying all! I am buying every day at these prices!

LegendaryJohnny

I read here few times that SPY is here and there - why do you panic. Yeah, it LOOKS good as soon as hold in USD which is around 10% weaker against other big currencies. If you hold im EUR or GBP, its not really reason to party and its down since Trump took over. But cool, divident coming. It will cover about 5% of my Q1 loss.

docherino

SPY has outperformed BTC over the past 5Y

MissingInAnarchy

People seem to forget that the current administration wants BTC in peoples 401k’s. When that starts happening, and the auto -funds from peoples paychecks stat going to BTC and not the SPY, then i don’t know how it doesn’t go up. 

eyeseepoop

If say I own an amount of BTC to fiat in real world cases, not Tether. Should I worry so much about Tether going away? Especially with the on going push for actual markets to be to tokenized, where is Tether’s position in that? If I can then spend some BTC straight to buy SPY, wouldn’t that be so much more efficient?

Jason_DeHoulo

1. I see I though you meant 6 months red in a red which is untrue. 2. 6 months sideways trading is nothing. Your stat is hilariously cherry picked. Zoom out to 1 year ago and it's still up 10% after this dip 3. Even if you want to keep that 6 month timeframe, SPY has still hilariously outperformed BTC

Erocdotusa

6 months red on SPY now actually

Proinsias37

Was about to say exactly this. He isn't wrong. It's very much a 'the market can stay irrational longer than you can stay solvent'. I have been itching to go all on on puts for months (and I may have waited to long' but SPY where it is makes zero fucking sense. P/E ratios make zero fucking sense. Financial news is bad, and will worsen. There's a war disrupting supply chains and the price of oil, and in STILL not confident that it will drop. It's fairy dust.

Desperate_Jacket_876

it can, but generally speaking when an asset is in a bear market it tends to follow the general market trend and amplify it to the downside. Its interesting that with SPY drilling and the general market panic we are experiencing lately, BTC continues to outperform and refuses to make even a new marginal low. In fact, we are very far removed from 60k now. Anyway, nothing is guaranteed so time will tell.

asacho

yeah and bitcoin is 660.000% up vs 443% from SPY since 2011, decoupling defined

KingPettyx

Bitcoin is down .07% and SPY is down .31%. Define decoupling

Revenantjuggernaut

Going to have to educate myself more. But I got SPY,QQQ,BTC,VIX UUP,DGX,USO,XLE up on a market tracker and I look at them and try to pretend I know how to read it 😂

Thankyouclouds

I told you it was regarded. Hard to say shit when you’re down over half (and we’d like to retire sooner than later) vs partner who is way up with SPY. So yes, of course I want BTC to moon. I want it to moon hard because anyone that deserves the next moon is already all-in on this.

Thankyouclouds

Yes this is exactly why. I know it sounds regarded but some of us have partners that are absolutely terrified of this crash and are applying unnecessary stress to us and pressure to sell. You don’t get any of that when BTC is 120k. And no, not gonna leave my partner or sell but I know BTC will go up again so this stress is just SO unnecessary. I also understand the concern because my retirement & Roth account (all IBIT) is sliced in half while partner’s half is sitting pretty in SPY.

bitusher

**Statistically Lump Sum investing will outperform DCA investing.** DCA is usually the best advice for those that don't have the capital upfront. For investing in any assets = realty, stocks, bitcoin, or gold the best advice is to make a solid plan after doing your research up front, diversify with uncorrelated asset classes that are properly hedged and invest all up front. This is especially true with Bitcoin because no one can predict the price and most appreciation happens on a few days each year that are unexpected so the quicker you own BTC , the quicker you get exposure to this appreciation. This being said you should not be investing at all in Bitcoin unless you have paid off all your high interest debt and have at least 3-6 months of fiat in an emergency fund to cover living expenses. Lump sum investing outperformed DCA investing 68% of the time according to a Vanguard study - https://static.twentyoverten.com/5980d16bbfb1c93238ad9c24/rJpQmY8o7/Dollar-Cost-Averaging-Just-Means-Taking-Risk-Later-Vanguard.pdf and 75% of the time according to this study: https://www.northwesternmutual.com/life-and-money/is-dollar-cost-averaging-better-than-lump-sum-investing/ 2 reasons - 1) stocks (I suggest an index funds like SPDR/SPY or QQQ ) and BTC have an inherent upwards bias so the sooner you invest the quicker you can accumulate appreciation 2) Inflation drag - fiat uninvested will be slowly losing value due to inflation In bitcoin its higher than 75% of the time and if you doubt me go ahead and pick 10 random dates in the last 15 years and test it for yourself

kwijibokwijibo

You're painting the market with a massive brush, not understanding the niche role that HFT plays, and how it doesn't determine larger momentum price movements Even the hedge funds frontrunning order flow don't determine where SPY will be the next day, for example

canmountains

Oil is going to blast up, crypto and SPY are going to have another red day Monday. Oil might be 100+ a barrel on Monday

Desperate_Jacket_876

we are just dumping with the general market, I hope you dont expect BTC to be up when SPY is down 1.5%.

Ryytter

That's a really good and thoughtful question. I was considering it but decided not to for a few different reasons. I am however a bit unsure what you mean by comparing to the SPY 🤔 1. Why not use STRC instead of SPY? SPY is as much about diversification as it is about returns for me. STRC is a in my opinion a good product but it isn't exactly diversified from MSTR's financial situation 🤔 2. Why not park cash in STRC while waiting to get into BTC. This looked attractive to me on the surface, but after doing the math it looks a bit meh. Not to any fault of STRC. Just fees man 🤷 My time frame to get the rest into Bitcoin is still September-October. So let's say 7 months. That's the time frame I would hold STRC. So we gonna get roughly 7% return in that time frame which is good. But this is assuming I buy in full and sell out in full. That's 7% return. But that's probably not what's gonna happen. I'd probably buy in full and sell out over 6-7 months. So that brings return down from 7% to maybe 4% ? 🤷 And then you have big fees, slippage, spread to account for. Especially at my brokerage I have to use due to taxes. Its quickly 0,5-1% per side. So then we have 3-3,5% 🤷 Add in any depeg from par and just the hastle of it 🤔 It's not that attractive to me 🤷 But it's mainly a time frame problem more so than a problem with STRC 😆 I hope that answers your question

EarningsPal

Crazy how $9M wasn’t enough. $1 Million into Stablecoins for interest $1 million into Gold $1 Million into BTC $1 Million into ETH $1 million SPY $1 Million into QQQ $1 Million into those new startup secondary markets that you need $1 Million to invest $1 million into 2 x $500,000 condos (one in a city where you want to spend 6mo, second one in another country where you can’t get another passport and go stay there when the main city gets cold) Leaves $1 Million to keep playing dangerous games.

Denpants

7M loss is pain, but he's still up 2100%. If I were him I'd take half, dump a milli into SPY, then keep gambling

Ryytter

Bought 40% of what I want here. Happy to buy the remaining 60% in the band of 40-60k per coin. If I don't get full exposure that's fine with me 🤷 Rest can go in SPY 😆

Ryytter

You can copy my approach if you like. I bought 40% of what I want at current prices roughly. 66-68k. A coin. Then I'm looking to at the ret incrementally. 60, 55, 50, 45, 40. If we don't get those prices it's just going in come September/Oktober at whatever prices are at that time. Or it can also just be dumped into SPY. 40% Is still decent exposure and much more than most people want in Bitcoin in the first place 😆

External_Anteater730

Looks like massive copium to me, gold/silver is pretty decorrelated from BTC movement over the past 3 months (and throughout the lifetime of BTC, which follows SPY much more as a speculative asset). Seems to me like the remnants of the BTC recovery are due to either the banks priming exit liquidity or retail buying back in with the expectation of a quick Iran war, but it's not going to hold long term if SPY keeps SPYing down

Ryytter

Already took it. Bought 40% of what I want here. If it drops more I buy more. Otherwise I will just dumb the remaining 60% in SPY and call it a day 🤷 Seems a win/win to me

Commercial_Ad_9864

Considering my girl also buys BTC and SPY. i think well be ight

Fluffy_Goal_6240

You got 800k? Buy 2 bitcoin. Sell 10 long SPY puts at $620. Guaranteed money as long as you don't panic sell. Keep the rest of your $ in VOO and chill. Jesus, man, with 800k. If you play your cards right, you can be at 2mil in no time and then just live a decent life from a high dividends or you can even work a solid deal with the right bank. Just have a lawyer check everything for you. The right bank should get you a 7-7.5% return per year just for putting your $ in there. They'll even buy you a nice ride as a thank you gift.

Several_Region_3710

Fair point — gold has had a great run. My framework does incorporate cross-asset signals (DXY, gold, SPY) as context for crypto positioning. Different thesis though: I'm not trying to pick the best asset class, I'm trying to generate alpha within crypto using on-chain + macro signals

phaskellhall

As someone only holding ETH, I don’t think it’s even that smart of a move. In two years it’s down 30% while BTC is up 30%. Zoom out 5 years and Eth is up 9% vs Bitcoin’s 24%. SPY is up 74% for 5. Crypto def seems to be slowing down

Desperate_Jacket_876

Could be but you know how its been lately, good and bad news get sold off hard. Sentiment is so terrible here and I stand by my call that either Bitcoin will start going back up to catch up with the SPY or that the SPY will start to lose ground and join BTC to the downside.

Dazzling_Marzipan474

I did a very rough analysis using AI Here are the numbers for SPY investment over 20 years showing regular and including a 36% scam tax. S&P 500 total return (20 yrs): 434.1% S&P 500 CAGR (20 yrs): 8.73% With 36% annual tax on unrealized gains (losses offset): Total return (20 yrs): ~123% CAGR (20 yrs): ~4.1% $1 grows to (no annual tax): $5.34 $1 grows to (36% annual tax): ~$2.23 So in 20 years you barely double your money Also in 20 years of 2.5% inflation is ~64%. Inflation adjusted after scam tax your $1 investment is now worth $1.43 This is after 20 fucking years! I posted this in the Bitcoin sub too

GPThought

24 with 70k saved up? youre already ahead of most people your age so dont blow that advantage by going all in on one asset. heres what i would do — and this is what i actually did in a similar situation a few years back: put 30-40% into btc, maybe 10-15% into eth, and keep the rest in broad market index funds (SPY/VOO). rebalance once a quarter. boring but it works. the people telling you to yolo everything into btc are the same people who wont be around when it drops 40% in a month and you cant sleep at night. position sizing matters way more than entry price when you have a 30+ year time horizon. you want exposure to the upside without it ruining your life on the downside

TaoZenQi369

My average is around 84, because at the time my entry was at the major support level. I should have a stop order, so now the 84 become the major resistance level. Right now BTC can barely can surpass the current 72k, the next resistance is 76k. I am hoping I can get out around 83k for small lost. Crypto is not for the faint of heart. I should have just stick with SPY, QQQ and IWM, or even APPLE.

bishop42O

Better off buying VOO or SPY.

HSuke

Everyone who started DCA'ing around the time she made news headlines in 2020-2021 until now would be far better off investing in SPY/QQQ than ARKK.

Sleepycoiner

Spy 2021-2026 is an 82% gain from jan to jan lol.. and its in SPY, not something volatile like btc broski..

Simke11

And this is why DCA is dumb strategy when it comes to crypto. You aren't buying SPY but an extremely volatile asset. Buy on big corrections, don't just blindly throw money regardless of the price.

Sleepycoiner

60-70% return in 5 years, why not just buy SPY at that point? Not to mention the fact btc gains drastically slow down every cycle. Next cycle top won't even break 300k. No one is retiring at 40 buying this anymore. Plz wake up

Skepsis93

I'm seeing the stock has 68% institutional ownership. Which is about average IMO. NVDA has 67% institutional ownership and SPY etf has 53% for reference. Some stocks in my portfolio have as much as 85-90% institutional ownership. Obviously 68% is enough to cause big moves, but compared to the rest of the market, retail appears to have a healthy level of participation in COIN.

cjaya2

At this specific time yes. Could you have said the same thing at the specific times SPY dipped?

koreatranslated

i zoomed out 5 years. if i purchased SPY i would have gained more lol

Starkey18

SPY is still +15% for the year and Dow is at a record high… It’s flying mate.

Intelligent-Ad6619

lol sorry no. Its not because it’s super liquid. Volatility is the price of liquidity? SPY is super liquid too….BTC drops because it’s seemed as a riskier asset class. BTC is appropriate for people with very high risk tolerance. Period.

Little_Astronaut_412

I have started to buy $450 a week which I intend to do until bitcoin has either continued to go up or is at 0. Regardless I have $65k in SPY for if it goes to 0. Risk I’m willing to take

Plus_Seesaw2023

LOL says the guy who hasn't even looked at the SPY LOL or the European indices! They're all at their all-time highs! It's hilarious reading your comments here!

fintechjunkie

Just stick with SPY, this isn’t for people that don’t understand. Come back to this in 4 years and let me know how well this aged

No-Cherry-1896

Lol. Yes, exactly because its down. It is nothing like SPY.

qp0n

All btc indicators suggest that was the actual bottom. What has me skeptical is how strongly correlated moves have been to stock market indices; if SPY/QQQ go down, BTC drops even more.... and SPY/QQQ/IWM/etc are *nowhere* near their bottom.

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helluvatrader

I DCA weekly. Every SPY move is 3x in the Bitcoin world so there are lower lows and higher highs

Little_Astronaut_412

I DCA monthly with SPY. Do you think I should do the same with bitcoin or do it weekly since it’s more volatile?

ParfaitQuick8426

Great question. For Job loss ( and the job market is NOT kind right now) people need to make mortgage, rent, utilities, pay for gas, phone, internet etc. Uber, grubhub, Lyft, secret shopper, survey taker, dog walker, can all help get someone back on track. For Bear markets, do OPTIONS TRADING. If you know the market is going down.. then everything is PUTS!! I usually go for 2 weeks out. I target Index funds. (IWM, SPY,.VOO etc)

Zealousideal_Owl2388

A simple google search does not lie, confirmed via Trading view. https://imgur.com/a/F9l7HKI I don't know where that website is getting its data but the math is extremely simple. 5 years ago today, Bitcoin was at $39k. Today it's at $63k. That's a +62% return. 5 years ago today, the SPY was at $376.23. Today it's at $677.62. That's a +80% return, before accounting for dividends.

FeelingMidnight77

Only tech stocks, and mainly software tech. SPY is barely down

InternationalTop2410

Btc down 50% and SPY is barely down 5%. Insane.

Content-Swimmer2325

lol SPY without tech is up 10% last 6 months SPY equal weight is near all time highs Go crypto if u want but this shit just isn’t true

Kempatsu

(not selling till 2035) Picked up some BTC & SPY. Money is made in the bear, not in the bull.

ilikeplayingthisgame

the wider market sentiment was much worse too. inflation/macros sucked. I mean what didn't dump in 2022. SPY hit an ATH a few weeks ago and BTC is nosediving

ReliantToker

Bear in mind the % you are using is SPY tapping ATH and BTC in a 40% drawdown, little misleading IMO.

CharliBarliH

What US investments are you in that haven't had a run over the last year?  SPY up 16% NASDAQ up 20% NYSE up 15% Most tech is up over 50% on the 1 year chart. You could have thrown money into almost any non-meme stock over the last year and had a 15% minimum return without even trying.

Mon1verse

What I don’t understand why mining hold up well. Even HUT is green? 🤔 usually they’re trading with BTC and specially when Nasdaq and SPY got beat up too thanks to Semis that ruined the party.

CyanideMuffins

I'm gonna tell you what I wish I could tell my younger self (who panic sold at a time like this). This is not the first time the market has been this red, and it will not be the last time. Every time this happens, it's gonna seem like the jig is up, the house is cards is being blown over, and everything is fucked. I advise you to ignore all of this. Unless you're holding a bunch of bullshit that no one gives a fuck about (which it sounds like you're not), unless you absolutely need the money right now for something urgent, just take everything you see on Reddit and social media with a grain of salt and leave your crypto alone. If you can afford to, DCA at these lower prices. And if you aren't already, diversify your holdings with some stocks and DCA into some index funds, like SPY or VOO. You'll tell more comfortable and safer with your money spread out like that. Don't bother with trying to time tops and bottoms. Do your 30 year old self a favor, and keep your money in the market. And moving forward, only invest money you don't need. Putting all of your savings into BTC was pretty reckless. It's probably gonna be fine, but don't put yourself in this position again. Just invest little by little, diversify, and leave it alone to grow. It might go lower. Maybe even a lot lower. That's okay in the long run.

gonats24

probably GOOG if i had to pick one. trading at like 20x earnings which feels cheap for what they are. AI stuff could be huge long term but beating SPY over 10 years is tough. most stocks dont

Double_Parking_4390

Allocation in my portfolio is: $BTC- 55%, $SENT- 15%, $HBAR- 15% and then $XLM, $XRP, and $DAG make up the rest of my portfolio. Did get away from $ETC and bought some more bitcoin after it tanked. Stock wise just $SPY and $VOO.

Miss_Curie

Honestly, no one really knows. $80k might end up being a good entry, or it might drop more. Over 5–10 years that probably won’t matter much if you’re actually able to leave it alone when it’s red for a while. With $500–$1k, the bigger thing to ask yourself isn’t “is this the bottom?” — it’s “am I going to panic if it drops another 30–40% and just goes sideways for months.” If that wouldn’t bother you, buying some now is fine. If it would stress you out, spreading it out over time just makes it easier mentally. SPY feels boring because it moves slowly and compounds. Crypto feels exciting because it swings a lot. They’re doing different things. As long as you’re not expecting that $1k to turn into something crazy anytime soon, starting small and being patient is pretty reasonable.

Seniorjones2837

Highest point in October was $687 for SPY and we currently at $691. Crazy bear market

kam3ra619Loubov

The “analysis” on this subreddit never ceases to amaze me. Just buy the SPY and stop complicating your life.

Dramatic_Implement_4

I keep seeing people screaming “DON’T USE LEVERAGE” like it’s 2008 forever. But hear me out: what about tasteful leverage via Robinhood margin on a buy-the-dip, 3-year time horizon? Margin’s only 5%. I’m not YOLOing 0DTEs or maxing out margin on SPY calls — this is slow-cook degeneracy. Buy fear, add on deeper dips, let time do the heavy lifting. Is this still considered financial suicide or just weaponized patience? Asking for a friend. 🦍💎🙌

CUbuffGuy

Google it? I fucking write them in Pinescript lmao. The most basic algorithm is a series of parameters you set, which when meant will perform an action... for example: If VIX > 16, SPY > 2 Standard devations outside range --> Sell It really is that simple. Maybe you should google it... lol.

InvestRecklessly

Im going to fill a pillow case full of SPY stock and beat the shit out of you

ilikeplayingthisgame

I love all the WSB guys coming in to soft brag like the dollar hasn't completely shat the bed in the last year too. SPY may be at ATH but the dollar its valued in is on the floor

LordJamPunt

And SPY, VT, DOW…not much a mystery

ckammerm

I think you don’t understand math. It’s 10% reduced every year so it’s exponential not linear. Look at the SPY up 20+% YoY for 3 years in a row. That isn’t growth, it’s inflation. The money doesn’t go to zero it’s just devalued 10% YoY.

mattriver

Personally, I’d maybe put $2k in BTC and $1k into SPY (S&P 500) stock.

faiqR

I find it amusing that Bitcoin does not give a single fuck. One day it is a risk on asset, correlates with SPY or QQQ, but not today. On some days it goes up and down together with XAU (gold), but not today. Dollar losing in value, Bitcoin should negatively correlate, because it is supposed to be part of the debasement trade, but not today. As Jack Mallers put it in his show yesterday: Bitcoin does not give a fuck about you and your narratives (kind of paraphrasing).

Dragnskull

at your age you don't need to "risk everything" to ensure a good future. You have the benifit of already thinking this way at such a young age, the mistake most of us make is we don't start taking action until we're halfway through our life. easy retirement at 65 with significant income: \-find out what your job offers for 401k matching, set up 401k to maximize their match \-if you have the option, open an HSA account (requires qualified high deductable health plans) and put in the maximum amount every year ($4400 for individual, $8750 for family). keep the savings invested in S&P500 (SPY) \-open roth IRA account, deposit the yearly max ASAP every year ($7500). Invest the vast majority in safe options, I recommend S&P500, vanguard, and bluechip stocks like microsoft, google, amazon, etc. \-have an emergency fund stored in a high interest savings account, at a bare minimum it should be 1 month worth of living, 3 is far preferred, 6 months to year is exceptionally good. This money sits in a savings account and does not get touched for anything else Once this is set up figure out your cost of living numbers and anything remaining after all your living expenses each month is your play money. Use this for non essential living, having fun, high risk investing, whatever floats your boat. once you have 100k saved and invested you're making 5-10k/yr just from the investment growth, 200k and you're at 10-20k. By the time you're 65 you'll be sitting on 1.5m if you started with 0, invested 3k/month and had a TERRIBLE 44 year run. 10-30m is a very realistic result

confusedguy1212

Can’t wait till SPY joins the list of assets that’s ATH… guess which asset class isn’t even close?

MarzNstarZ

facts. everyone said crypto would outperform everything and here we are getting smoked by boomers buying SPY. at least silver tried lol

trustjosephs

The "digital gold" argument was intriguing to me initially, but it's clear that BTC is too correlated with equities, it's almost like a 2x SPY at times. It's a risk-on asset. I have positions in both and won't sell the BTC I already have, but I'm definitely thinking about shifting more of my DCA from BTC to GLD.

holdmysugar

Currently 63% BTC, The rest is split between SPY and XLK pretty evenly.

usmellmyfarts_haha

Thats like saying I can use my shares in SPY to buy things

StopBitchinStartLivn

Do you think there’s any catalyst encouraging these Industries to stop selling and start buying? Do you think BTC and ETH will simply lead the market regime similarly to $SPY and $QQQ or do you believe BTC will truly be the best performing asset?

silverfire626

After everything (Celsius, altcoins), I’m barely break even when investing in SPY or stocks would have been much better.

unhappy-customer12

If you really want a defensive strategy, buy bonds, SPY, precious metals, and bitcoin. You can further diversify by buying etfs with international exposure rather than just spy. Look into the pros and cons of each of these, determine an allocation, and start investing. It’s true that inflation eats away your cash. It’s true that the market can crash and the dollar can lose value, but when you diversify, you keep your eggs in different baskets to avoid losing everything from a single event.

amgoblue

Long term savings technology. Pure and simple. That's it. Social security will be gone. Pensions dont exist. 401k is a fee laden trap. Equities markets are rigged. ETFs are abused to short stocks. SPY and indexes barely keep up with inflation. Gold can be stolen back by the government again. Silver is needed in technology more than as a money and the market has been rigged for decades. Im not saying Noone should save in any of these other things. Im just saying bitcoin helps mitigate many of these shortcomings as the hardest money ever engineered. In all of history, the hardest money always wins, without exception.