VT

Mammoth_Frosting_014

["Why would you want to ban bitcoin?" "So I can unban it."](https://www.youtube.com/watch?v=Yn0VT5LydfQ)

Willy_B_Hardigan

I DCA into VT and BTC. It's a peaceful existence.

canadianragweed

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.

nbiz4

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.

humdinger44

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.

Lanky_Mongoose_2196

What is VT?

humdinger44

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.

Fatfire_Crypto

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.

BitcoinMD

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.

annoyed_meows

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.

Designer-Beginning16

A long term 60 / 40 is the way to go. 60% VT or VTI or VOO 40% BTC

_blockchainlife

MM funds in low risk. VT in med. VOO/BTC/VGT in high. Not a perfect science, but that's how I view it.

Huge_Monero_Shill

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

UpDown

The superior asset is VT etf

UpDown

I’d put my money on a digital currency version of VT etf, with zero fees like nano

benediktb

Alternatively nothing down (the mortgage is very low) and just all into VT. Maybe increase your emergency fund to 12 months .

benediktb

Sell half, put a quarter into mortgage quarter into VT (global stock etf). Bitcoin is amazing but some diversification is also important

tontot

7000 in VTI, VOO or VT (low cost index funds). 1000 BTC Just keep that ratio about 10% if you are youngish.

newmes

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.

GoldmezAddams

Low cost, broad market index funds like VT in my retirement accounts. Self custody hard money (bitcoin, gold and silver) as personal savings.

Imperial_Toast

I know I will get downvoted, but I still buy VT (similar to S&P 500) a decent amount.

LividChocolate4786

Stocks: VT (50%) Bitcoin: FBTC/MSTR (40%) Gold: WPM (10%)

filbo132

I own the entire stock market (XEQT, basically VT for Canadians). I don't like putting all my eggs in one basket.

Odd-Radio-8500

Source: https://x.com/CryptoTea_/status/1934258361370873865?t=4avEum1_3VT3zH2fBprmKw&s=08

Mr-Nice-Guy__

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 🤷🏾

filbo132

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.

filbo132

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.

Zanar2002

I'm sure they'll start offering exposure to Bitcoin at some point, right? As much as it pains me to say it, it'll take years for Bitcoin to peel away enough market share from financial products like VT, VTI, or VOO, so they have plenty of time to adapt. Besides, ETFs are pretty easy to manage. People literally pay you a fee to custody their Bitcoin for them, that's it. Any one of us here could it with enough funds and access to top-notch legal advice.

aSpaceLettuce

This won’t go well here but I’ll be honest. In my 20s I was 100%. In my mid 30s now. Late last year I sold 75%. Put into VT, VOO and (emergency fund) SGOV. I’m personally done accumulating as I’m happy with my position. Not having kids, mortgage with 2.3 interest rate, and if BTC hits 1mil in my lifetime I’ll have a nice retirement. If not I’ll still have a nice retirement (as long shit doesn’t totally hit the fan) with my other positions. I’ll be maxing my Roth every year. Maybe I won’t get that lambo, but I’ll be happy and comfy. It all depends on your risk tolerance.

filbo132

"Is saving only in BTC a good idea?" There's no black and white answer on that. It depends on every individual risk tolerance. In my case, I prefer having a diversified portfolio which in my case is DCA'ing on both VT (this is the total world market) etf and bitcoin. I have never been the type to put all my money in one basket. But that's me, some in here are all 100% in Bitcoin so you will get that answer too. Also consider your wife's worries, ask her how she can better sleep at night with your savings, maybe she wants something like a total world (or US) market etf. The returns may not be as great as Bitcoin, but at least by investing in both, you may get some peace in that aspect.

gyarados3

VT and chill my friend, VT and chill. I'm happy for you, you made an excellent decision. Even if bitcoin goes to the moon, you made the correct choice with the information we have now.

Squirmme

Diversification is the best hedge against risk. Try putting a little into a total market index fund like VT as well as your crypto. Also so glad to hear a young guy is getting into investing.

Huge_Monero_Shill

It's the problem with any simple concept community. FIRE: Save more than you spend, get \~25x your annual expenses in investments, chill. Boggleheads: Buy VT and chill. Bitcoin: Read the whitepaper, buy BTC, store it, chill.

0xFuture

VT is not fail proof, take it from someone who handled another LummaStealer today. Want to be safer, learn how to verify SHA hashes in your CLI or use a sandbox if you’re skeptical. There’s some free ones that allow 1 check per day, but can’t remember their names.

No_Toe710

VT is the stoner cousin? ✌️🧔

Zanar2002

It's never easy because there are risks involved in everything, but I'd say buying BTC is a winning strategy. This obviously isn't financial advice, but I have 80% of my money in BTC. In fact, Bitcoin IS money. My advice is to read a lot on the gold standard, the Weimar hyperinflation, the history of money and such, and make a decision for yourself. You need to develop your own framework through which to evaluate Bitcoin as an asset. A large portion of the population would tell you Bitcoin is a scam. I happen to think history is on our side and that Bitcoin is money while fiat currency is just that - a currency with 'value' imposed by royal decree almost. Ultimately, you have to weigh the arguments and arrive at your own conclusion. Or, if you haven't got the time or can't be bothered, you can also invest by marketcap weight. So, for example, you could think of Bitcoin as a component within an Index ETF like VOO, VTI, or VT. With a 2 trillion marketcap, it would have the same weighting in your portfolio as say, Alphabet or I dunno, Amazon, and allocate accordingly.

Xryme

Idk something like 50/50 with VT makes sense to diversify with tradFi. I think though Bitcoin is not as risky as equities in general so meh, kinda just blunts returns imo.

Huge_Monero_Shill

So you would feel comfortable with say: $80,000 annual expenses, inclusive of most 'unexpected costs' * $2MM in assets: $160k HYSA | 19.4 BTC ($1.8MM) Annual expenses picked just to make the math easy. Yeah, this actually sounds about right. Personally, as much as I believe in Bitcoin I'd want a sizeable stock portfolio, say: * $2MM in assets: $80k HYSA | 10 BTC ($950k) | $970k VT (total world stock ETF) All Bitcoin in retirement is just 'win more' at the cost of risk.

harrysnow81

I have bitcoin and etfs in my tax free savings account nasdaq 100 (STXNDQ Which is basically qqq) and total world 10x (which is similar to VT) I've been on this for a while like 2 years now

VIXtrade

Stocks are much less risky and easy. You could probably get investing in the stock market in a day. Just buy and hold a broad market fund like VT and chillz it will grow over time, especially if you keep adding to your investment regularly. Companies have earning growth which generally supports the growth in the stock market. Crypto is purely speculative, gambling, not investing. Your odds are more certain playing at the casino. Crypto tokens are not companies. There's no sales & earnings growth. Crypto go up, crypto go down.

mediumlong

Chances are if you put money in sometime in the last three years and you held til today, you made money. I believe in diversification tho. Put a good chunk in VT or something similar too. 

bananastand512

Torsades is more of a "hurricane" type pattern than a regular ventricular rhythm and if you count R-R pretending this is a 6 second strip it would be 90 bpm so not SVT. I guess the closest thing is a 9 beat run of VT that will eventually go back to NSR or frequent PVCs. Either way this is a hallmark shit coin 😅

MixtapeNostalgia

----- Not financial advice. Simply my own path. ----- Have you read the Bitcoin Whitepaper or a book called Broken Money, or even better (and this one was ahead of its time) The Bitcoin Standard? I definitely recommend all three. If you don't agree with the fundamentals of what Satoshi was aiming for, that's okay. But I've dedicated the last 6+ years to understanding (to the best of my ability) why he created Bitcoin, and I enjoy reading things that elucidate these views and in fact the opinions of detractors. But unfortunately it is the detractors that sort of kept one of my feet inside the world of fiat for far too long. It's my own choice and fault at the end of the day, but the amount of FUD you'll find on almost every single non-crypto financial subreddit is staggering. Mostly because it is all wrong. Objectively. Time will prove this. I recently saw a redditor write that "People will buy Bitcoin at the price they deserve" a few days ago, and it is one of the most poignant things I've ever read on the topic. And one of the most truly accurate. Yeah, I've made good money with LETFs and VT has been kind to me. But had I just put my money in Bitcoin instead of messing around with that stuff, I would have made more money than I'm prepared to admit. And to be honest, money isn't massively important to me on a personal level. I am certainly not happier because I can pay my bills. I simply grew up very poor, but l knew I had the ability to turn $ into $ if I dedicated enough time to learning on my own. Never did I think it would come to turning $ into BTC. And never did I think I'd come to see BTC as a true asset - one that could and has changed my life and the lives of so many others. I will continue on this path and try to leave as much of it behind as possible when I'm gone, and help ppl along the way while I'm here; living life under a true Bitcoin standard as soon as possible. So there is no second or third best option. There are just.. other options. And because BTC ETFs are a thing, they are viable options to protect against the unthinkable (lost keys). Again, not financial advice here, just a portion of my own path - *Pay down debts and build an emergency fund (6-12 months of salary) with a HYSA. DCA into BTC ETF(s). *Get marketplace insurance with a high enough deductible / use employer options to have a HSA and DCA into that with the aforementioned method. *Repeat the previous step with earned income into a Roth IRA. *If self employed, repeat previous step via solo 401k and/or SEP IRA. *If fortunate enough to be able to do all of this at once, good times. Obviously, IMO, utilizing actual BTC above all other methods is the most important one. But those are some other options to consider. Definitely not better, but helpful as hedges. They're definitely not in line with what BTC is all about, either. Or don't do any of that and hope that fiat doesn't continue to lose buying power and that BTC doesn't become the world's financial standard. I just suggest reading some things and taking a good look into - and understanding - Bitcoin before it's too late. These first 16 years will be dwarfed by the growth of the next 8. But I'm just a dude on the Internet. I would be looked at as a space lizard if I said this to almost anyone I know. And have been, lol. I wouldn't bother writing any of this outside of a Bitcoin forum, either. Most people will tell you it's all speculation. And I mean, speculation isn't necessarily bad. Diversification isn't either, especially if you're already at the point at which you do not at all worry about your finances. ----- Again, I repeat, this isn't financial advice. This is a version of my story. Do your own due diligence. -----

Rough-Reach565

Nice to read someone else doing the same as me (VT instead of VOO)

ThreeTonChonker

Longterm the best investment is BTC and VT.

ThreeTonChonker

You don’t need gold for electronics. https://www.quora.com/Can-other-materials-replace-gold-in-electronics BTC, VT, money market is all you need. Gold is useless.

ThreeTonChonker

Still don’t care about gold. If I needed a hedge I’d put it in VT or money market.

LividChocolate4786

VT down 6% and MSTR up 4% Never thought BTC/MSTR would be the ones to stabilize my portfolio.

SpiffyGolf


Ddoublewhopper

10% crypto, 10% cash, 20% fixed interest fund, 40% VT, 20% something

vegienomnomking

Well, you are asking for bias opinion here. Of course people will say Bitcoin instead of VT.

birjy

I dont know what you mean by saying "VT".   I dont like etfs and stock market . For me the best  is btc on my cold storage. 

watch-nerd

I pulled the trigger on early retirement in Feb. Massively reduced risk exposure and took profits before that, going from 10% crypto to 2% now. Reduced stocks from 40% to 25%, and it's all in VT. 25% cash now. Have enough inflation-protected bonds to cover cost of living until 2040. So lots of dry powder to buy up things on the cheap if that's what happens.

LividChocolate4786

It’s good to diversify. No matter how much conviction you have ultimately nobody can predict the future. I hold VT and FBTC at around 70/30. May add some GLD as well.

Impressive_Strain921

I would add some global exposure. VT for index exposure.

Spolveratore

I'm about 30% BTC and the rest well diversified stock index funds. Mainly VT. I don't wanna go full USA.

Possible_Spy

Half in VT, half in Bitcoin. Don't touch for 20 years

syrupmania5

Do 10% Bitcoin or something.  Do 70% VT, 10% gold, and 20% BNDW for the rest, or some such split.  IAUM is a good gold etf.

watch-nerd

VT and chill

jamesnolans

Index funds. Buy VT and something tracking the S&P and enjoy the returns without much risk.

yowen2000

VT is world Vti is US only Vxus is excluding US

BtcOverBchs

VT is the total world stock ETF from Vanguard. Quality long term hold.

ukpfmodsneedalife

What’s VT? You bitcoin allocation seems ridiculously low

syrupmania5

10% Bitcoin, 90% VT. Give or take.

penguin_Y

Honestly, I would put enough money in it for you to become rich if it 100x but not all of it. There is no garantee Bitcoin has any vakue in 10 years. But there will probably be a world (VT) and US (VOO) economy

penguin_Y

Mate, bitcoin could go to millions or to zero. nobody knows. I would diversify, 70% in some ETF like VOO or VT, 30% into BTC

_speedoflight_

I invest about 20% of net worth in crypto. I suggest, Invest 80% VT or VTI, 20% BTC. Normalize risk and rewards. Given it’s for education and your daughter is already 9 yrs old, it’s just enough contribution for BTC to make it grow enough and it makes sense to not over risk it. If it’s your free money, you can go more or yolo on BTC. Just my two cents.

penguin_Y

I would go 70% ETF (VOO or VT) and 30% bitcoin.

ParkerGuitarGuy

Totally understandable and I didn't get it until I had already missed out for over a decade. Here's the basic idea: A Roth IRA a type of retirement account where you put money into it that has already been taxed (your paycheck where taxes and everything has already been deducted), and later when you go to use that money at retirement age none of it is taxed. All the gains you made over your lifetime is entirely yours and doesn't go to Uncle Sam. There are limits to the amount of money you can contribute each year, and if you skip a bunch of years those are missed opportunities. You can't just go "oh crap" when you turn 40 and try to stuff a bunch of money into it for previous years. If you've never spent time with a compounding interest calculator, I'll tell you the gains can be quite surprising. The contribution limit is currently $7000 per year, or about $583/month if you're doing it consistently throughout the year. Ideally you don't touch that money until you retire but you can withdraw some early without paying any penalty if you use the money for higher education or for the purchase of your first home. For every dollar you put into it, you can technically pull that out (not the gains) without penalty but note that you'd still be subject to the contribution limits if you tried to put some back later. If you withdraw a bunch early and was more than you deposited (pulling gains), you'll pay a penalty for it. As for VTI, VT, VOO - these are tickers assigned to index funds called ETFs. You buy them kind of like shares of a stock, but instead of your money being invested in a single company that can go tits up, that money is essentially allocated to little pieces of lots of different companies. Different ETFs track different companies and market sectors. In the case of IBIT, it tracks with the price of Bitcoin because the fund manager has to buy/sell Bitcoin accordingly as investors buy/sell shares of the ETF. Opening an account with something like Robinhood might make all of that more approachable. It's controversial advice because a lot of people have a beef with Robinhood. I wouldn't go there to day trade, but to simply the process of buying and holding assets long term, they make it really easy to buy and sell ETFs, stocks, etc, and whatever miniscule price differences you likely miss out on in that moment are inconsequential at the time scale you're investing. Just know that, if you are buying and selling Bitcoin and the like outside of a Roth, you are subject to capital gains tax for every transaction and it's a real pain.

ParkerGuitarGuy

A majority of people making plays for 10x or 1000x lose money. Nobody has a secret, they just get lucky. They may think they know things and assign all kinds of technical analysis to their guesswork at the future, but it’s a gamble. Choose an amount of money you can live without and invest it., and plan to not touch it for a long time. You should be aiming to max your Roth IRA contributions each year first. Most of your invested dollars should be diversified, so go with an index like VT or VTI, maybe VOO. You can allocate a small percentage to something like IBIT if you wish to get some of the gains from Bitcoin. Anything beyond that you can play with Bitcoin and similar, just don’t put money into it you can’t stand to lose. I have Bitcoin and love it as much as the next person on this sub, and I don’t care if I get downvoted for this. Time in the market beats timing the market, and at your age you have plenty of time.

jcruz18

Lol if you want to be a normie with a measly 8% yearly return you can literally replace Dave Ramsay with 2 letters: VT.

LividChocolate4786

500k in VT and a small emergency fund in SGOV. Everything else and all future savings in IBIT and MSTR.

quinesaba

YouTube is hearing us. It just recommended this video 😅 https://youtu.be/3Aj_EHOu9WE?si=A2DQpco9xk2VT8LS

Areiteus

He should invest most of it in the stock market, something like VT which covers the whole stock market or in the S&P 500 (VOO). And then use like 5k for crypto, bitcoin is pretty safe but I think DCA is a better idea specifically because we are in a bull right now he might invest now and see red for a long while in crypto winter.

nunnapo

Best bet is to invest in VT and just chill. There is a chart about how much you should invest in crypto by percentage based on your belief in it. If you are one hundred percent believing in it, even then, the recommendation is like 8% of your total portfolio

ChaoticDad21

Buy VT or VTI…that’s it

Nervous_Sink_1802

VT

sexibilia

This is one of the most retarded things I have seen in my life. Passive index fund investing exists, bonds exist, etc. The boglegead motto is literally VT and chill, you don't have to do anything or know anything.

VisionLSX

I don't have any Tech specific ETF's. Rather I'm holding the total market which already has Tech in it. My total portfolio has about 42% VT, 42%, AVGV for the ETF's, and 15% in 3 other stocks, including the 5% bitcoin.

Cyanide_Cheesecake

Forget stock picking. If you want stocks you grab VTI, VT, and VOO.

Quick-Balance-9257

About 75% into VOO and VT. The rest I would probably put into high yield dividend stocks to collect monthly payments.

Quick-Balance-9257

For me it's adding more to my stock portfolio, particular VOO and VT, so that during the crypto bear market, I can keep growing my money and collect a few $100s in dividends monthly.

LividChocolate4786

Sometimes I feel I should just sell off my entire VT holding and go all in on IBIT.

syrupmania5

Bitcoin is good, but so is VT for your stock exposure.  The best thing to avoid mutual fund fees is an etf, as mutual funds never beat the static index.

VladStopStalking

Meh... Why are you assuming that people who are selling BTC are holding on fiat? I think it's perfectly fine to have a fixed allocation of your portfolio to BTC, whether you choose it to be 10%, 50%, our 90%. But that implies that whenever you rebalance, if BTC went up, you will sell some BTC and buy whatever the rest of your portfolio is (VT, gold, Nasdaq, whatever the fuck). Personally I'm 80% BTC and 20% XDEQ, so yes I am selling BTC and buying XDEQ currently, but on the next BTC bear market I will be selling XDEQ and buying BTC. Tell me why this is wrong?

syrupmania5

I'd choose a percent of your total portfolio. In my opinion you still want diversity, so you should be buying VT too.  Going all in is for gamblers.

Timp2003

Realistically, investing in the stock market like $VT or real estate (renting out a property).

syrupmania5

The advice I give is VT. Bogleheads is normie advice that can't fail over the long term.

Timp2003

If you just buy spot btc (not leveraged on margin or futures) you can't be margin called. Just like simply buying VT in your retirement account.

endern1

MicroStrategy is receiving index allocations from almost every ETF provider including Vanguard in its VT etf.

syrupmania5

S&P500 maybe, or VT.

syrupmania5

Just buy VT, and a small percent portion of Bitcoin.

0neTrueGl0b

When I got a new job I used half of my 401k from the old job for Bitcoin ($FBTC) and coinbase stock. Those funds came from Roth 401k so they are in my Roth IRA now. I'm confident in Bitcoin long-term and that coinbase will continue to be a major software platform in the United States and worldwide. The other half from my old 401k I put into 90% $VTI & 10% $VT in a Rollover IRA. This is my safer investment of total stock market index and total world market index. Also I contribute to my new 401k which I'm able to use to purchase: 45% VTI, 45% VIG, 10% $IBIT. This account is basically 90% safer investments and continuing to add 10% Bitcoin products. If Bitcoin takes a big dip which it occasionally does, then I can borrow from the 90% and add to the Bitcoin products. I buy Bitcoin from my paycheck with 5% of my pay separately from my tax advantage accounts.

syrupmania5

Why would you ever go all in on anything.  I'd say cap Bitcoin at 25%, and buy low fee globally diverse etf for the rest, VT/ADVD/AVUV. Stocks are also a hedge against inflation.

Graybeard_Shaving

Oh boy. This is the mindset that gets you nuked. Not that you will listen but I'd encourage someone with a significant win-fall concentration in BTC to look at something along the lines of a long term portfolio consisting of roughly 75% VT, 12% VGIT, 3% SGOV, 8% IBIT (or physical coin), and 2% IAUM (or physical bullion). You do you though. YOLO, I guess.

syrupmania5

Don't do 100% Bitcoin.  Also buy some VT; or some split of VT/AVUV/ADVD if you want added risk premium.

syrupmania5

There's no point, just buy a diversified index like VT and you gain real estate exposure.  Its not worth being a separate asset class because all you add is volatility to your portfolio.

syrupmania5

Maybe do some VT as well, since its the second best asset next to BTC; as its low fee, globally diverse, and auto-rebalancing.

syrupmania5

I think 100% investments are unwise.  I would consider some VT etf as well.

WhiteVent98

Sure you are. Why do you spam every stock-related subreddit with the same copy-pasted paragraph? There is something more going on. If youre not lying, simply buy bitcoin and dont trade it. With stocks, buy VTI or VT and dont trade if you dont understand anything…