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Game theory on when VCs will pull the rug from under the AI bubble
Investing $1,000/month. Where could this be in 10 years?
What does Trump really want with Venezuela? Here are the Best Takes and stocks
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my two cents: Your No. 1 and 2,4,5,6, 9 are essentially overlapping (S&P already highly concentrated in these) positions. I'd roll that all into VOO, or better yet BKLC. I'd only keep 3-5 other satellite positions (maybe 8 and 13) if you want to try to "pick the winners". Stats indicate you likely will not be correct. 15: Yes, i'd lump sum the cash into BKLC/VOO. Finally, BTC is not a store of value, as we've all seen recently. it is a speculative commodity with no real world use. If you want something truly diversified add GOVZ, IAUM or DBMF (in the correct account).
Futures down, NASDAQ (tech) more than anything, gold down (where I’m loading dips before Schwab lets me touch things @ 7), it’d be nice to get a nice penny flip before going to work to keep up with this madness but I’m not going to force a trade. It may be a do-nothing day too, if things don’t drop to my levels. Holding: 26.62% $IWMI 25.86% $SGOV 24.21% $MLPI 7.98% $VXUS 3.24% $VTV 3.01% $IAUM 2.51% $DGS
I like **$EONR** but shoulda coulda woulda bought below $.50. I just rock with **$MLPI** that gives me a nice tax-deferred yield & midstream energy exposure. That & **$IWMI** are my largest covered call ETFs, with **$IDVO** definitely significant. I just started **$IAUI** yesterday & hope to grow that alongside **$IAUM.** I know these aren't penny stocks but are relevant to options; I like **$IWMI** because it's the Russell 2000 but I wish they held individual stocks & not just a fund.
Welp, caught a nice dip on $GPRO, shoulda coulda woulda held a second longer (as per usual), but averaging in 50K shares to mitigate the loss shook me a bit 🤣 I had to do something to bolster the portfolio a bit; it's trailing the indices this morning... I'm still happy as can be with what I've created & am creating (RIP my individual stock picks that're all popping off nonstop; I'll revisit them when I have some "fuck you" money, when $CAPS pops off): * IWMI 27.64% * SGOV 26.15% * MLPI 25.01% * IDVO 7.85% * VXUS 5% * VTV 2.49% * DGS 2.46% * IAUM 2.26% * Cash 1.14%
Futures are mixed today so it may be a good day to do nothing, regroup, & think about your goals/allocations. I'm taking the morning off from trading penny stocks, chatting with ChatGPT & thinking about my allocations. I'm a bit overweight gold (**$IAUM**, cheapest expense ratio) but I wanted to buy the dips as they come & have some time to let this one play out. I deployed a chunk of cash yesterday & am still holding \~25% cash after all of that. I'm hoping to make a major purchase going into 2027 so the cash position has value far beyond its yield; I've really started to like the stabilizing aspect of cash recently as well... Although not penny stocks, you all are my friends & I figure we can have conversations outside of penny stocks. Here are my holdings as of yesterday/early this morning: **IWMI** (Russell 2000 futures showing strength, CC premiums are likely juicy during dips) 27.51% **MLPI** 25.41% **SGOV** 25.39% **IDVO** 7.78% **VXUS** 4.95% **IAUM** 3.28% **DGS** 2.45% **VTV** 2.4% Cash .88% As far as penny stocks go, be sure to wait for a solid entry on something that's running, take your profits, park them in something safer, & scale down if you re-enter to not wipe away the day's gains, among many other things! And of course, **$CAPS** 🤙
I've gotta get into IBKR soon; I get up at least an hour before 7AM just to watch things move on Schwab. I'll probably average down on gold ($IAUM) today.
Inflation out of control so afraid to hold too much cash prefer IAUM
I own gold ETFs, physical gold (and silver), and gold mining stocks. The gold ETFs I bought in 2019 are up +200%. I invested $300k in physical gold and silver in 2019 that is currently worth $665k. My gold mining stocks are up +100-200% in less than 2 years. I have been buying more of the gold ETF IAUM recently despite being already heavily allocated to precious metals because I am bullish on gold at current levels, and I'm not the only one https://command.verifiedinvesting.com/vi/research/gold-cycle My best performing gold mining stocks vs VOO: https://stockanalysis.com/stocks/compare/iag-vs-au-vs-ccj-vs-gfi-vs-kgc-vs-aris-vs-ego-vs-drd-vs-voo/?r=5Y If you don't want to invest in individual gold mining stocks you can use ETFs like GDX or SGDM. You can buy physical gold at a local coin shop, at Costco r/CostcoPM, from online dealers https://findbullionprices.com/, or here on reddit r/Pmsforsale.
Sometimes you get lucky... Really really lucky (\~2 year timeframe of mostly gambling). That said, the vast majority of my wealth is in VOO, SCHD, SIVR, IAUM, and LIT. Doesn't get touched much at all besides the consistent DCAs. https://preview.redd.it/midwqy6df6kh1.jpeg?width=1220&format=pjpg&auto=webp&s=0526385019d02914ae42ea5563cdb0b9293ec2d3
I've got screenshots of my IAUM, that should be good enough
XMR (fuck government) IAUM (gold) RIVN (cars)
good, I'll print-screen my IAUM positions just in case.
after hours volume SOXS 9.2mil SQQQ 1.5mil short MSTR using MSTZ short TSLA using TSLQ/TSLZ/TSDD buy gold IAUM buy emerging markets IEMG
IAUM should be good enough, right?
When I looked into it last, I ended up getting IAUM.
Sold my IAUM position that I'd been sitting on and forgot about, +20% even after the dips, not bad.
I'd hold 50/50 IBIT and IAUM. One of them is bound to go up long term.
Nobody gave a real answer so I will. Hold IAUM in a Roth and gains are tax free. Enjoy.
Yup. I chose the if you can't beat em join em path. Holding IBIT and IAUM, I'm burned out on equities.
I figured it out good thing im holding IBIT and IAUM
Excellent, will add next to my IAUM holdings. Thanks for the tip!
IAUM & nothing is ever truly safe from government
No bonds needed at your age. That is only good in the last 5 years before retirement. Time is on your side, so you can be a little risky. Revised allocation: 60% VOO, 20% VXUS, and 20% IAUM. I don't know if Gold will maintain this momentum, but you can always switch out of it if demand decreases.
Hello I am quite new to investing. I was hoping for any advice on a portfolio layout. I currently hold 50% VOO 25% VXUS 20% IAUM 5% Crypto I just watched a few videos and put this together and I will probably add bonds later. I am 21 looking to buy and hold for 25+ years
If you want long term pure growth, instead of individually investing in random top company stocks, consider consolidating to QQQM. Look for index funds instead of individual stocks. QQQM is a growth index fund by Invesco that tracks the NASDAQ 100 companies like Nvidia, Microsoft, Tesla, etc. it also has a pretty low expense ratio at 0.15. There's also SPYM which tracks the S&P500 and it has the lowest expense ratio out of pretty much any index fund ETF you can buy into. There's VO and VB, which tracks mid cap and small cap sectors that you could be missing out on that aren't in the S&P500 that could have breakout growth. This way you don't have to put all your eggs in one basket if a few companies shit the bed. In an index fund, that money is shifted around for you as company sizes change over time. So all you have to do is invest and forget. Here's an example of a portfolio: 70% QQQM or SPYM 10% VB 10% VO 10% IAUM Obviously you can adjust this based on how much risk you want to take. It's also common for people at your age to just 100% QQQM or VOO or SPYM. Just do some research on what index funds you think are right for you.
My recurring buys in my Roth are 40% VOO, 15% SMH, 15% VXUS, 15% AVUV, 10% AVDV, 5% IAUM. For cash brokerage it’s 40% VTI, 25% VXUS, 20% AVUV, 15% AVDV.
my 401k is half cash (via loan in November) and my gain/loss today across all my own accounts was $53.90. Well, the HSA has a big IAUM position and got worked, but we don't look at that.
SMH SPMO VEA EUAD BLOK / IAUM BRK.B ORLY XLU DBMF, this is my investing protfolio, 50% for attack and others for stable. I'm working on this for 2 years many times modified until last month.
There is no reason in the 21st century to buy physical metal, especially from a retailer turning a profit on the transaction. Just get ETFs like IAUM and SLV.
I have some IAUM in a Roth account. I also have some physical. I purchased the physical through private sales. A mix of r/pmsforsale, a Facebook group I am a part of, and a local coin shop in my town. Costco as mentioned is another good resource.
IAUM is another one. each share is 1/100 of an oz of gold. it’s spot on. but hey, you don’t get that running your fingers through the treasure chest feeling so it’s not for everyone
ETF's. Mostly IAUM. I do need to look into miners.
How about 10-20% in international funds like VTSAX? Slowly investing in gold might not be a bad idea either considering who is in office. I like IAUM, and FGDL as gold ETFs.
Yes, it would almost certainly make sense. It's a 30 bp difference (and hopefully you're holding your gold in a tax-advantaged account since it's not eligible for long-term capital gains treatment in taxable, which would make the exchange frictionless). It's a lot like SPY/SPYM: GLD is older and has an active options chain (GLDM does not have an options chain at all), but for buy-and-hold, GLDM is superior in every way. Also consider IAUM, which has a 1 bp lower expense ration compared to GLDM (though at that point it's splitting hairs).
I actually do believe in MSTR long term I think there is a growing use for bitcoin hope* for bitcoin to take off Too much hopes in the air dude. I am not an expert but I started on small account lost and made money and lost and made money and lost and made. So SPY, QQQ, IAUM, SCHD, SGOV (40%) GOOG, MSFT, APPL, TSMC, META (40%) 10% Yolo on options and 10% high risk high reward stocks. Sell IAUM, SGOV when market tanks and buy other stocks equally. When made money on options during ATH keeps buying SGOV IAUM SCHD. And now my account dosen’t tank abnormally. Hope you do same
Maybe. FWIW I just bought $30K of paper gold (IAUM) because if we do cut rates we're sure to get sticky inflation. We'll see if that was a good idea...
🥭 is gonna bomb Iran in the next 48 hours. 20k in IAUM and 10k in GLD 460c
I'm new to investment as well and consider myself being too late. I DCA IAUM $25, $25 VYMI instead of SCHD and $50 VT weekly on my ROTH IRA. Let's see how it is in a year. 😅
Likely profit taking. I have owned IAUM since late summer, and I wish it wasn't caught up in the crazy swings right now. I digress, but you either sell to take current profits and expect a drop to buy in again. Or you hold today. I am in the latter since the volumes are notably up, the markets are down overall, and it feels like a day to take some profits. Especially seeing 10 million shares traded in a second.
I had a big chunk in OGMIX mid last year and it’s been awesome so far. I’m looking to adjust and do a similar maybe IAUM along with more international.
I use IAUM. Simple to trade and low expense ratio.
Shame you listened to these people, the return on IAUM since this was posted is 56%
Gold miners are actually doing better than gold right now, just making sure you know the difference. I'm in the IAUM ETF, it has the lowest expense ratio.
SIVR and IAUM are carrying the load today but AAPL and GOOGL are also up. Suppose the latter are kinda “safe haven” assets in the same basket as the former?
Yup I use IAUM and SIVR. Minimal expense ratios compared to others and they appear to be physically backed. Depends on how much you trust them to actually hold the metals.
Those are all fine ETFs. For 20+ years of anything, my first focus would be on the expense ratio. If I were you, I'd check out GLDM or IAUM for gold. For silver, I'd check out SIVR. It has a lower expense ratio and the silver is physically backed in a vault in London.
Time for me to buy, maybe? I’m rarely right about stock picks. SLV and IAUM have been good to me this last month.
IAUM for even lower expense ratio (and lower liquidity) gold, good for long term hold
all G20 countries are running fiscal deficits and printing money consider IAUM for gold exposure, cheap gold ETF by Blackrock, or RING for extra juice with gold miners
IAUM does not have any distributions listed on its page. https://www.ishares.com/us/products/306979/ishares-gold-trust-micro#/ (under "Performance")
I would buy investment-grade bullion gold and silver but it is not convenient for me at the moment, so I have part of my portfolio in physically backed gold and silver ETFs. For gold, my choice is IAUM, the lowest expense ratio out there, 0.03% For silver, SLV, one of the most common out there.
Not too late to get in on IAUM my friend
I hold IAUM as well and to me this is all BULLISH 🚀
CERY GLTR IAUM. Around 2% each.
No. There's a lot of money sloshing around that could continue to slosh around. Consumers at the top end of the K-shaped economy could keep powering things while the bottom end of the k-shape hang in enough to keep growth going. The Fed could keep cutting without antagonizing inflation enough that they end up having to reverse course. And inflation itself could, of course, continue to help growth, even if that's a bit of a tough pill to swallow for obvious reasons. And maybe the housing market even recovers. OR The consumers at the top of the K shape get a little defensive while those at the bottom start to crack under pressure, and consumer spending dips below the rate of inflation--or worse, into the negative. The Fed keeps cutting (which I should point out, while it can be bullish in the short term, the stock market also tends to do poorly after the Fed starts cutting because, well, the Fed's cutting for a reason) and then antagonizes inflation enough that they have to reverse course and start raising rates, spiking growth. The housing market could continue to just stay in its years-long freeze, which itself can cause problems--or it could markedly decline, which would cause a lot of problems(though it's also not a bad thing long term for housing to become more affordable). And of course, unmentioned in all this is the massive amount of debt everyone's in and the elevated rates of defaults we've seen, which are always a worry. So is there a growth case here? Of course. I just don't think the skies ahead are bright blue, either. Either way, I cashed out my bond funds at the end of December to buy Apple and IAUM. So I'm playing both sides of it and am prepared to both profit and go harder in either direction if one side of the bet fails.
$SPPP has both Platinum and Palladium. Glitter ETF has all 4 GLTR. I suggest IAUM for a cheaper GLD ETF and SLV and say 10% SPPP. PPLT is platinum with options.
If one thousand dollars is all the savings you have, then I suggest keeping it in a money market fund for emergencies. The fund I recommend is VMFXX which you can buy at Vanguard. You don't even have to buy it, you can just designate VMFXX as your settlement fund after you open a Vanguard account. If you are starting an investing journey, and you plan to gradually build up a small portfolio, then I suggest the following simple asset allocation which you can set up in 15 minutes at Fidelity or Schwab: 34% SGOV - treasury bill (30-90 day government bonds) ETF 33% IAUM - physical gold ETF 33% VTI - broad US stock market ETF You can buy fractional shares to make the percentages work out. This portfolio returned 8% annually for the last 30 years, with limited drawdowns and volatility. Occasionally, when one of the asset classes goes significantly out of whack, you'd need to rebalance.
That's why you buy IAUM in your Roth IRA and avoid taxes.
It does not matter how much you "love" or "trust" your adviser. The relevant question is, how much value do they add? How does the performance and risk profile of your adviser-managed portfolio compare to something simple like: 60% broad stock ETF (VOO, VTI etc) 40% t-bill ETF (SGOV, VBIL etc) --- OR --- 60% broad stock ETF 20% t-bill ETF 20% gold ETF (SGOL, IAU, IAUM etc) PS: I outgrew my adviser five minutes after I read one thin little book twenty years ago: "Fail Safe Investing" by Harry Browne.
I have IAUM for gold and yes, I would probably start with IBIT at some point.
I have IAUM too. Lowest expense ratio out there among gold ETFs. $% of my portfolio is IAUM. I plan to expand it to 10%.
I agree with you and thats why my second biggest holding is IAUM. This was obvious to me back when Trump started his tarrif nonsense half a year ago ish
Why phys over something like IAUM or gldm? Is the higher expense ratio on phys worth the slightly better tax treatment?
you list 5 funds that are all just levered plays on FIAT, in the four equities they all go up with increasing inflation while the BND goes down. This is a risky play, perhaps add 20-30% IAUM like Morgan Stanley is recommending now.
GLD and IAU are the same as GLDM and IAUM but more expensive to hold
Gold isn't an investment, it's a hedge. Personally, I keep about 1-3% in gold (IAUM) in each of my accounts.
You wanna go with physically backed ETFs. Basically, on the fund’s website, look for a daily bar list (serial numbers) and a named custodian or vault. If those aren’t there, skip it. Example: GLD (biggest) : https://www.spdrgoldshares.com/usa/gold-bar-list/ IAU (lower fee) : https://www.ishares.com/us/products/239561/ishares-gold-trust-fund Both are probably the best picks for a gold ETF. Lowest fees would be IAUM. For silver, go with SLV (biggest), or SIVR (lower fee).
100% ETFs. 92.5% equity ETFs. 7.5% physical gold ETF (IAUM). The equity ETFs (as a % of total portfolio): 52.5% S&P 500 market weighted (SPYM). 10% percent S&P 500 quality (QUAL). 10% mid-caps (SPMD). 5% small-caps (IJR). 15% broad internationals (VXUS).
GLD and GLDM are both 100% backed by physical gold, even kept in the same JP Morgan vault in London. GLDM just has a cheaper share price and much a lower (0.10 vs 0.40) expense ratio. IAUM is another one, with a very-slightly lower expense ratio (0.09) There's no more efficient way to gain exposure to gold than physical gold ETFs like the above. There are more heavily-leveraged ways to do it with gold futures, but if you want to hold for a long time, you'll have to deal with roll costs because gold is usually in contango. The same applies to gold futures ETFs. It might make sense if you're holding them in a taxable account since gold isn't eligible for long term capital gains treatment (instead you pay at the collectible rate: your ordinary income tax rate capped at 28% if long-term, otherwise at the ordinary income tax rate if short-term), while gold futures are always taxed as 60% long-term & 40% short term. But in a tax-advantaged account, physical gold is a better alternative in my view.
This is considered a sharp drop? Maybe I am just too new at this. But none of them fell that much except TSLA which does tend to rise and fall 1-2%. There really wasn't a drop today in my stocks. Sure my BITB and IAUM fell a little, but NVDA and GOOGL both jumped pretty big. And the rest all went up, except s&p and total us which only fell a few cents.
IAUM for IRA & ROTH and physical gold.
Who would have thought IAUM(gold) would be outgunning BTC for 2025 thus far.
IAUM is cheaper to hold - can’t see any reason why to pay more for GLD 🤷🏼♂️
Gld for short term and options. IAUM for long term hold I think?
Why buy GLD instead of IAUM?
I did it during liberation day and would lost much more with VTI than I would with IAUM
Yeah. I do IAUM for the expense ratio.
There are cheeper ones like IAUM maybe you could get
> You can’t just snap your finger and flip VOO to IAUM without taxes being involved Depends on where you live etc. Where I am from there is no such thing as short/long term gains and timing of seeling and buying doesn't matter. But to be clear, I am not telling people to sell. I am just saying that "you never lose if you never sell" is just nonsense. If you buy into a bad company that go bankrupt you definitely lose. Or even if it doesn't go bankrupt but it is doing bad it may never reach the stock price that when you bought in. That is still a loss! Something more reasonable is "the overall market tend to go up so having as much money in the market for as long time as possible will maximize your expected gains".
IAUM instead of GLD foe expense ratio
Hell yeah! I ended up doing about 25% in IAUM and it's been saving my ass so far! Glad it's working for you as well!
I'm currently about 65% VOO, 17% IAUM, 17% EZBC. I tested this mix out and it's pretty solid so far. Even though stocks and bitcoin are rough today due to tariff news, the gold ETF provided some cushion due to being completely unaffected and went up in value. I'm not a pro but this seems like a good mix for me being 25. $300 a month for the next 40 years in my Roth.
Yeah exactly, the .09 ER for IAUM is less than a quarter of the ER for GLD.
Just curious why IAUM? The lower expense ratio? I would want to get out of GLD but I don’t want to book the gains.
I’m at about 30% gold allocation in IAUM, 15% crypto FBTC and FETH, the remaining 55% is S&P500