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Viterium token on Vite network [$20k market cap]
In addition to being sued, Coinbase receives Show Cause order from 10 different state regulators at once. Coinbase has 28 days to show cause why they should not be issued a cease and desist over offering registered securities. Coinbase lost at least $600M in deposits lost as of yesterday
Am I scammed by Gate.io? Seeking assistance to recover $10000 deposit. Support not engaging, ignoring tickets for almost 24 hours, providing fake reasons.
Buy BTC and ETH as long-term investments
How to start in Crypto :- HVE2 should be the first Choice !
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List of exchanges where MIOTA (IOTA) tokens can be purchased in the United States - Version 4.0
Update on recent changes In the laws governing Vanuatu Cryptocurrency License
Not In New York: List Of Crypto Services Not Available In New York
Why does cryptocurrency engender so much vitriol amongst its detractors?
The Revised Crypto Amendment has Failed
Senator Richard Shelby (R-AL) has objected to the compromise amendment. He didn't get his own amendment for $50b in defense spending, so he's against all others. FYI, he's retiring at the end of this term.
Seeking help online - Monero address...
[BSC] | Yumcha Finance | Safe haven for when Elon Tweets next | World shares and World currency Pegged asset | Collaterisation supported by an Australian Holding Company
Growth of Crypto Leads To a Financial Meltdown, Metalla Royalty CEO
$SPE SavePlanetEarth - Planted 11000 trees YESTERDAY - WhiteBit NEXT WEEK [$15M Market Cap] [14 DAYS OLD]
$SPE SavePlanetEarth - Planted 11000 trees YESTERDAY - WhiteBit NEXT WEEK, not yet on CG [$30M Market Cap] [14 DAYS OLD]
[Learning] MIT Open Course: Cryptocurrency Engineering and Design
Excellent crypto economics education channel that deserves more views. Economics Design.
A Tale of Three DeFi Indices - Crypto World's "VT/VTI/SPY etc"
Mentions
I like three; Bitcoin, USFR, and VT
I mean Vanguard VT. I say VT because it's easy for anyone to buy and hold without knowing anything about stocks. I honestly use a mixture of VTI, FTEC, QQQM, and VXUS. My point was that Bitcoin is not, and is never going to be, greater than ALL the companies in the world.
VT is Botcoin. Some shitcoin being pushed by bots
BTC is never going to outweigh VT in my personal net worth. If it goes to 10 million I will DCA out to buy more VT. BTC could potentially go to zero, or at least close to it, and most people wouldn't care. If VT goes to zero the world ended and BTC also ended.
If you ask any frontier genai model to compare expected value of e.g. VT and BTC over next 10 years, BTC looks pretty good. A lot of people use these models to support their decision making.
I have 1/3 in VT and 1/3 USFR so it’s pretty balanced. It was either Bitcoin or gold and I’m quite persuaded on Bitcoin.
6% BTC, the rest is VT with a cash and bond portion to use as dry powder on any major sell offs.
if you have no idea what you're doing, just do a modern permanent portfolio: every 100 bucks toss 20 into each; IBIT, GLD, TLT, USFR, VT. Once you start, buy whatever asset is lagging the others/try to restore balance with your paychecks. When you get monthly and quarterly paychecks via interest and dividends, use that to buy whatever asset is lagging compared to the others. If this is overwhelming, just buy a target date retirement fund for your anticipated time to retire and call it a day. Godspeed.
If you are investing long term, the name of the game is to acquire as many assets as you can so you buy all the time. If you like Bitcoin, you’ll also like its older brother Gold. Owning the means of production is good too, VT.
It might work out, or it might not. I would invest mostly in low fee index funds like VT or VTI, and then maybe allocate 10-20% in BTC.
I see. So this is meant to be inherited with MRDs. Well, I wouldn't do this. You're dealing with such a long timespan here and with pretty good starting principle that I would stick with just VTI, VTI/VXUS, or just VT and call it a day. The chance of you getting this wrong is too high, and its easy money to compound for 30+ years.
Brother, trading will make you insane. If you believe in bitcoin, as an asset, then set a target allocation and sit on it. Let's say you want 1%. So if it tanks 50% you load up till it's 1% again. Or if you're doing a modern permanent portfolio, maybe you throw 20% into it along with TLT SGOV VT and GLD. Or maybe you're me, and you decided on 33% IBIT, VT, and USFR. Now some folks in this sub have more conviction than I do and they're 100%.
Stay away from shitcoins and invest in VT or VTI.
I came up with this strategy four months ago and it’s the longest time I’ve been able to stick to something….I have three assets; Bitcoin, short term treasuries, and global equities. I buy whatever is lagging compared to the other two. When the portfolio doubles, I’ll rebalance back to target. In between paychecks I’ll use up to 10% margin to force balance on IBIT or VT. I’ve thought about just throwing 1/3 into each and calling it a day but buying the laggard has a fantastic benefit of basically harvesting volatility during pullbacks and accumulating dry powder during bull markets
DCA is the best strategy, some people increase their DCA amount the lower bitcoin price falls. I would also recommend DCAing into an ETF like VT. Each $ you contribute at 14 will be worth $2, $4, and $8 at ages 24, 34, 44. Might not seem like much now or too long of a wait, but consistency wins. Once your total invested gets large (~$300-500k), doubling every 10 years (or much less in bull market runs like the past 3), can really start to build wealth.
I diversify my assets and put future money towards the lagging asset. So if I inherited 30k I’d split it into target allocation 33% Bitcoin/usfr/VT
Honestly, I don't dig deep enough into financial news to know the best words for one specific 'tweaked' or mixed strategy or another. All I can say is I buy both some BTC and some VT with every paycheck, and I cannot tell you the last prices I paid on either, cuz I don't really care. For me, I looked back at my numbers a few years back and calculated that I'd come out of all my 'momentum trades' with more cash than I'd started with -- but if I turned that back into BTC, I'd almost always show up having *less* BTC after all my moves than if I'd just held on. ...Then I started thinking about it like -- if I'd dropping in $500 a week into 'boring stocks' and 'boring crypto' (BTC), what happens if I hold off a week for a massive 10% drop? Sweet, it's like I invest an extra $50. Which is cool, but... if I get it wrong, and it shoots up, it's like I only invested $300 that week (making up some numbers here). I just got burned too many times over the years by trades that looked like they made a great profit til I sat down and looked at how much effort I'd put in, and how much I'd be sitting on if I 'just didn't worry about it' and did my usual DCA.
Dude, even if you just start $20 a week. It adds up, Compound effect. This and ETFs, like VOO or VT for example. I just like to encourage youth to start because 20 years will fly by n one would have not started yet. Best of luck and be patient/smart with your money that you work hard for.
I’d keep it as part of my portfolio and contribute future income like normal. For example maybe 75% of your income goes to VT and 25% to bitcoin. Do it everytime you get paid and don’t even think about it or you’ll go crazy
It depends on what you mean by growth. You can 100% get growth from buying a broad index fund like VT or VTI. Bitcoin has been 1 out of many, many things you could concentrate your wealth in. For most people who have invested for a long time, it's worked out. But it could have been 1 of many other opportunities that completely flopped. Over the long run, it's much better to hold the majority of your portfolio in a broad index fund.
And SPY, VT, DOW…not much a mystery
I had an experience with the ONYX ROBOT. Absolute SCAM. His preferred broker is VT Markets. Ran into a drawdown of 48%. They want you to keep on depositing to reduce drawdown %. All advertising is false because when I compared his advertised profitable pairs, same pairs were running into major drawdown on my platform. These guys are getting commissions from VT Markets. ONYX ROBOT is banned from Instagram. There is another advert, FOREX ALGO, using VT Markets, probably same person different name.
Why do u think VT would be better than SP500? Curious
Never smart to put all your eggs in one basket. I’d put at least half into a broad etf/index fund. SP500 is fine. Total stock market (VTI/VTSAX) or entire world (VT) would be better IMO. But your instinct to invest a lot at a young age and to do so consistently regardless of price (dollar cost average) is right on. As a third bucket I would build up an emergency fund of cash so nothing derails your DCA strategy.
I’m a simple guy, just gld and VT.
I made 21 % in VT in the last year… Bitcoin isn’t the only option. Silly for you to try to force it on people, especially if they’re older than you and have a different risk tolerance.
10 years before retirement I'm moving most of it into VT.
In the last five years bitcoin has been all over the map. Buy VT and chill.
Better than raw bitcoin I mean, yes better ratios for VT or USFR or GLD lol
25 percent crypto on my end then I split the rest like this : 25 percent on stocks (VT and CIAI mainly) 25 percent on rare earth and critical material (mainly lithium, graphite, copper, nickel, ….) 25 percent on energy (uranium and utilities)
Yeah, my VT is literally sitting at ATH.
If I started over, I’d buy a few different assets and sit on it. Bitcoin, short term treasuries (might need cash for something), VT (stock etf). If you can’t legally get a brokerage account, you can still buy a lil gold and silver.
I have 80% VT 20% BTC its simple , if you buy VT you are diversified you don’t need anything else so I just buy bitcoin cuz I am young
VT as majority of portfolio and btc as a small tilt
I would just add it to my normal investment portfolio, which is just VT, BNDW, and NCIQ.
Putting most or even all of your investable money into a broad ETF like VOO, SPY, or VT is a very reasonable approach, especially if you don’t want to actively manage things. The biggest pros are simplicity, diversification, and discipline. You get instant exposure to hundreds or thousands of companies, very low fees, and you remove the temptation to constantly trade or overthink decisions. For most people, that alone leads to better long term results. The main “con” is volatility. In a bad year, a broad equity ETF can drop 30% or more, and you have to be comfortable doing nothing during those periods. As long as you don’t need the money short term and can stay invested, that risk is usually worth it. If this money is truly long term and you already have an emergency fund, putting it into a broad ETF and leaving it alone is often better than letting it sit in cash or low yielding savings. The real key isn’t picking the perfect ETF. It’s choosing a simple strategy you can stick with through both good and bad markets.
if your overall goal is ("just") to retain your capital with maybe some growth.. i would recommend a HYSA, money market, I-Bonds or VT.
Fuck I'd go VT or VTI with all that money. Leave it alone and forget about it.
10% is reasonable. I do 33% Bitcoin VT and USFR with rules for cash flow and rebalancing
33% Bitcoin VT and USFR. Four rules I follow involving where new money goes, what to do during bear market, what to do with cash flows, and what to do if it doubles in value.
That’s fine. I did the same thing. Cashed out all my principle and some profits back in July and put it into VT in my Roth. I kept a .10 BTC portion as a permanent position that was most of my profits. Bitcoin has a way of punishing people that exhibit fomo and FUD. Gotta play it down the middle, be prudent and take profits and reallocate based on time horizon and risk tolerance.
VT and chill with a bond allocation for dips
I made over .10 BTC in profit. Cashed out principle and some profits in July near ATH and kept the .10 BTC as a permanent hold position in my Roth IRA. I diversified the money I took out into the VT index fund.
I’m excited to buy below 100k, it’s part of my asset allocation, I feel nothing since I finally adopted a strategy with rules. 33% VT/USFR/Bitcoin will rebalance off USFR if equities dip and try to cash flow rebalance each paycheck to force myself to buy whatever is on sale
Good for you that you managed to keep your expenses so low with such an income. I don't see a real question in the post, though. To help against the urge to panic sell when BTC falls, maybe do also put something into an ETF like VT each month.
My boring ass VT core position even outperformed Bitcoin this year, where it was supposed to be parabolic. The only thing that saved me was I went all in on the dip in February and that’s where all my profits came from this year. Trimmed heavily in July near ATH and during the greed spike.
Global Stocks or bonds. VT or VTI/vxus are good places to start
Allocation 33/33/33 Bitcoin/usfr/VT 1.) cash flow rebalance to target ratio each paycheck. Buy the asset that is <33% 2.) if bear market, if I can’t hit target ratio with cash flow rebalancing, sell USFR until USFR = VT (don’t force Bitcoin to 33%. This prevents the portfolio breaking in case there’s a wild drawdown in Bitcoin which I’m assuming won’t be as severe as previous decade but just in case. 3.) rebalance when portfolio doubles back to 33/33/33 this locks in gains while staying invested Average yield of portfolio 2% Feel free to back-test, obviously 100% Bitcoin would outperform, but I don’t have safe like diamond hands
bitcoin is up 15.56% ytd off the chart google gives me, VT total globe stocks up 20.47% ytd. Now, 5 year BTC up 682.69% ...VT up 78.80% Now that we have institutional adoption of bitcoin, I expect lesser volatility and consequently more normal returns. I think it's still early until someone makes a remix of the permanent portfolio including 20% bitcoin as the "gold standard" investment model, at that point it'll be as exciting as gold when bitcoin grabs that size of market cap. but in the meantime I do expect it to outperform as systems allocate to hard assets instead of treasuries. This will probably happen using my crystal balls for the next 40 years or whenever treasuries start yielding fat and real returns in the double digits, at which point the pendulum will swing the other way Set an asset allocation and forget about it, if you want to be rich slowly, that's general investing advice. If you want to get rich quickly, you need a skill that you can leverage up to your eyeballs and actually work to create value. Example, your're really good at programming, so you buy a failing bakery, you rebrand the bakery to some sort of programming business, you turn a crumbling house of bread into a robust thriving industry that hires people and creates value using code. You make the business explode in value. You flip the business. Then you do it again!
This is what I do; I set a target allocation for everything in my portfolio, and I cash flow rebalance every paycheck. Previously I just did VOO and chill, but after reading a lot, I've diversified into bitcoin short term treasuries gold and global equities VT. I have an extended emergency fund in gold, and then my target allocation is 33/33/33 bitcoin/usfr/vt and then I follow three rules 1.) cash flow rebalance each paycheck to try and make my original asset allocation 2.) during bear markets, I'll sell usfr to rebalance 3.) rebalance everything if portfolio doubles. Having a plan is important. Everything is fine when everything is going up, but when those bear markets come, and they will come, you need a plan or strategy so you don't behave emotionally and do stupid shit (speaking from experience)
Buy VT ETF and wait 20 years
Crypto should not be the majority of your investments. Open an IRA and a brokerage account and buy some VOO or VT or whatever diversified ETF you want. Leave like 3-6 months emergency money in a HYSA.
Please tell me what is VT? And where do you find it? SP is 500 top? BTC is bitcoin? I’m new can you tell me what strategy you use to pick your investment? Like publications. Wallets and such, apps. ? Thank you
VT in my roth! SP in my taxable. BTC everywhere!
It should be around 2k clean plus VR and VT. 🤣🤣🤣
Do you see people on r/investing asking "how can I possibly ever own 100k of VT"? No you do not. Just invest in it over time like it's a normal fucking asset
I’d do 50% BTC, 35% VOO, 15% VT
Index funds, VOO, VTI, QQQ, or even VT are the conservative and reasonable choice. Crypto should always be less than 20% of you nest egg.
I'm 4% Bitcoin as part of a well-diversified, uncorrelated risk-parity style low volatility portfolio. 42% Global Stocks, VT 26% Global Bonds, BNDW 16% Gold, GLDM 10% Managed Futures, DBMF 4% Bitcoin, IBIT 2% Cash, BIL
According to research lump sum is the best. Though definitely add some equities in there, VT or AVGV.
NFA - I would personally move some (how much is for you to decide) to either VT or a mix of VTI and VXUS. You can’t retire on $450k but you sure can use it as a way to get there.
I make fixed 50/50 contributions to VT and IBIT. I don't rebalance and let the winners run.
Just tried this with GPT5. Answer from ChatGPT: >If I had to pick **one** asset for the next 10 years, I’d choose **broad-market global equities ETF** (like **Vanguard Total World Stock ETF – VT**). >Reason: Over long horizons, equities historically outperform most other asset classes, benefiting from global economic growth, innovation, and inflation protection. A broad global ETF spreads risk across countries, sectors, and companies, giving you exposure to emerging markets and established economies alike — without betting on a single region or industry. >It’s not flashy, but over a decade, boring diversification often wins.
I visited a financial adviser years ago when I got a chunky inheritance. He basically was just going to put my money in a total world stock etf and take 1% every year from me. So basically he just invests in VT and rather than me paying 0.07% in fees doing it myself, I just give him 1%. Can't see the point
Personally I think you're totally overexposed to Bitcoin/ block chain. It sounds like you are 100% invested in Bitcoin or block chain related funds. I would diversify your holdings in order to not be so heavily reliant on one sector. Maybe 30% block chain, 70% [VT - Vanguard Total World Stock ETF](https://investor.vanguard.com/investment-products/etfs/profile/vt)
["Why would you want to ban bitcoin?" "So I can unban it."](https://www.youtube.com/watch?v=Yn0VT5LydfQ)
I DCA into VT and BTC. It's a peaceful existence.
Probably that it has no intrinsic value. Cracking old wallets. The idea that at least 5% is controlled by who knows. I like BTC and all but, I'm no maxi, it's a % of net worth. BTC is not VT nor is it real estate, precious metals, fine art, firearms, MREs, or whatever makes you feel safe in life.
Don’t trade, invest for the long term. I wouldn’t touch crypto unless you already have some savings and investment in fiat market imo—crypto is more like a hedge against the fiat market but shouldn’t be your primary investment vehicle. Forex is a complete waste of time and a hype trap. If I were to start investing, I’d just DCA index funds like the us total market via VTI, total world market like VT, or s&p 509 via VOO—kinda pick one depending on risk tolerance.
I edited the link to hopefully make it easier to click. VT is a low cost way to get exposure to the entire global market of stocks. Not just the US market.
r/personalfinance/wiki/windfall After absorbing all the information from the PF subreddit side bar and digesting it to maximize understanding, with whatever remained for investing I would hope to limit my exposure to any single asset. If Bitcoin is your thing I would think that even 30% of the remaining assets is boarding on reckless behavior. Easy come easy go. [VT](https://investor.vanguard.com/investment-products/etfs/profile/vt) is a better option for the bulk of the money. The more BTC picks up steam the more companies will pick up their own exposure. If BTC moons will yatch companies go under? I don't think so. I'll be ordering a few. Diversify.
I thought I would log in and add my 2 cents as well. 8-figure net worth, the majority from Bitcoin. > Bitcoin is a high risk high reward asset. You no longer need either risk or reward. You did in the past but not now. I agree with this completely. In 2021 I sold 50% of my stack and put it into Vanguard VT. At the start of this year at >$100k I did the same rebalancing again. I am retired and pay for monthly expenses by selling VT. I never need to touch my BTC and it could 100x or go to zero and it wouldn't need to impact my lifestyle. Retire now and spend more time with your kids. You will not regret it. I absolutely haven't regretted either one of those rebalancing sales.
Also class of 2014. You need to think about your bitcoin differently than you did in the past. You are not immortal so it makes sense to change your approach as you progress on the inevitable march toward the grave. If 1.5% of your bitcoin is more than your salary, then you have won the game and you should absolutely do whatever it takes to spend more time with your kids. That’s way more important than “hodling.” There are different ways to do that, but I would also consider de-risking your portfolio. Bitcoin is a high risk high reward asset. You no longer need either risk nor reward. You did in the past but not now. My recommendation would be to switch (either immediately or in a short timeframe like 1-2 years) to a portfolio of about 50% VT, 40% BNDW, and 10% Bitcoin (or NCIQ/IBIT). Sell strategically to maintain that ratio and you’ll always have increasing amounts of Bitcoin (in dollar terms) going forward.
Every time I mention Bitcoin in boglehead I get deleted. Not banned yet. That sub is a bunch of old men blowing gaskets if you don't say "VT and chill" It's seriously the same old shit on there every day. In a day you learn everything about the boglehead way. Reddit is a weird place.
A long term 60 / 40 is the way to go. 60% VT or VTI or VOO 40% BTC
MM funds in low risk. VT in med. VOO/BTC/VGT in high. Not a perfect science, but that's how I view it.
Honestly the real answer is "A Random Walk Down Wallstreet", but that's just an elaborate presentation of "VT & chill". I has made me consider the value of diversification by simply buying the whole haystack. Still stacking sats though :D
I’d put my money on a digital currency version of VT etf, with zero fees like nano
Alternatively nothing down (the mortgage is very low) and just all into VT. Maybe increase your emergency fund to 12 months .
Sell half, put a quarter into mortgage quarter into VT (global stock etf). Bitcoin is amazing but some diversification is also important
7000 in VTI, VOO or VT (low cost index funds). 1000 BTC Just keep that ratio about 10% if you are youngish.
Balance. Since you've already got a good stack, maybe buy a globally diversified stock index (in the US we have symbol: VT). Or an S&P500 ETF. Putting 100% of your net worth into one thing is so risky. I've got high conviction in BTC but also basic discipline and there i am NOT 100% in crypto.
Low cost, broad market index funds like VT in my retirement accounts. Self custody hard money (bitcoin, gold and silver) as personal savings.
I know I will get downvoted, but I still buy VT (similar to S&P 500) a decent amount.
Stocks: VT (50%) Bitcoin: FBTC/MSTR (40%) Gold: WPM (10%)
I own the entire stock market (XEQT, basically VT for Canadians). I don't like putting all my eggs in one basket.
Source: https://x.com/CryptoTea_/status/1934258361370873865?t=4avEum1_3VT3zH2fBprmKw&s=08
Bro check r/bogleheads Invest into VT and hold. In 5 years you’d have a staggering $10,027.34 isn’t that such an amazing! which would be $9,604.43 purchasing power pre prison. At this rate you’ll be barely millionaire in 58 short years at the age of 86, meaning you get to retire early #FIRE Realistically, I’d put about $3k in bitcoin, I’d expect atleast a double. I’d risk the $7k in DOMH and let it go either 100x or zero, fuck it 🤷🏾
It's ok not to be 100% bitcoin. I mean my portfolio is diversified, I have a little bit of fiat for day to day expenses, a small portion in individual stocks just to see if i can outperform the market, i have another portion that goes into Bitcoin and a portion of my paycheck into an etf called VT which is basically the entire stock market. I have never been a fan of putting all your eggs in one basket, no matter how great i think Bitcoin is. It's up to you to assess what you're willing to risk. If you feel it's risky, then you don't need 100% all in on Bitcoin.
Never have you emergency fund in bitcoin. If we get a 2008 style market crash where you lose your job and people are forced to liquidate any investments, you're going to be cooked. Leave 3-6 months in fiat, yea I know, it sucks that it loses value over time, but it is what it is. In the short term, it will prevent you from selling assets that do make money over time, but that are not guaranteed in the short term. In my situation, I never used more of 3 months EF, so I just save 3 months of EF and then I save 3 months of Bitcoin. The Bitcoin part is not necessarily an emergency fund, but it will become over time when the value of it is let's say current price, but the price of Bitcoin by then is let's say 500K and at that point, there's no fear of that to go 100K although anything is possible. But the fiat is my main emergency fund. The Bitcoin portion is simply crossing my fingers that it takes off so much that it eventually becomes my next 3 months EF although it is not necessary to have since I only need 3 months (I have a very stable job, no kids, own no house, no car which is why I really need only 3 months of Fiat EF). In my investments portion, this is also the part in which I invest Bitcoin that I won't ever touch along with my Bogleheads ETF (Basically VT etf and chill). Naturally, this is what I do, only you know what you can risk, but if you absolutely need 6 months EF, then make it fiat. Invest what you can and know what you invest. If you know nothing about Bitcoin, learn about it and start small with another portion going towards a market etf like VT or VTI or even VOO. The ETF's should be your main if you are still uncertain of Bitcoin. Last thing you want is to go gung ho on Bitcoin and then have regrets and sell it all (Yes I did that back in 2021, but I didn't know nothing about Bitcoin back then, it just scared me to go 100% without knowing what I am putting my money in). Food for thought.