VOO

JC505818

Buy S&P500 index funds like VOO or SPY.

Lost-Ad9082

Thank you, I have some funds in VOO as well

QuickArticle4466

Rebalancing between SPY and VOO is a great way to optimize costs and manage risk. You can decide the allocation based on expense ratios, fund structure, and your own investment preferences. For example, if you prefer a low-cost strategy, you might allocate more funds to VOO. A 50/50 split is a simple and effective choice that also helps diversify risk

dard12

Too much international for me. I prefer closer to 5-10% and VT has like 35%. Buy VOO + VXUS and you can tweak how much exposure you want.

Shoty6966-_-

Like 70% VOO and 30% VTI and chill man 😎

Shoty6966-_-

If you have 100k at 18 years old, if you invest it in the sp500 or VOO and reinvest dividends and don’t touch it until you are 65 it will be worth 2-3 million. If you wanna be an idiotic kid who can’t afford the bmw maintenance or the insurance (you’re an 18 year old male, that’ll be $$$$) then go ahead. Buy a new m2 that’ll depreciate in value the second you roll off the lot while not being able to afford the insurance and maintenance

newimagez

Or VOO. I agree.

Nonamenoname2025

Your idea is insane if these etfs are in a taxable account because you'll pay taxes for no reason. Otherwise in a tax deferred account it is just fair to middling as you'll pay less fees in VOO but since there is no difference you aren't really simplifying anything. Sounds like you have too much time on your hands.

Heyhayheigh

And you know she doesn’t already have this emergency fund how? You’ve obviously never talked to someone who is 77 and still working. So your answer is invest nothing. Got it. Perhaps you should go to the r/notinvesting sub?? I’m making assumptions about her, sure, but they are from years of talking to these folks. The OP is not very knowledgeable. He speaks as if Roth is inherently a risky account type. This is all a mental exercise, if the actual 77 year old doesn’t seek help it doesn’t matter. Read what OP says. She does not spend. Money not spent should be invested. I don’t care if you’re 85. Set your beneficiaries, move on with your day. If she needs assisted living, and needs state assistance, they will make her burn through the accounts, whether they are VOO or HYSA. You don’t know what you’re talking about. Best of luck to you all.

Heyhayheigh

Sell SPY to turn into VOO when there is a tax loss harvesting opportunity to do so. Otherwise leave it alone. Generally you sell when you have an urgent expense to pay for. That is not what you describe. Nothing is simpler than VOO and chill. And SPY is just VOO with a little higher expense ratio. It’s fine. SPY is good for covered calls and options in general. I doubt you have loss to harvest. Let it ride. Use new money to buy the “rebalance” you want. Best of luck.

MaybeTheDoctor

The overlap doesn’t cause you any problems. Moving them to VOO doesn’t help with diversification. Selling cause capital gains taxes to be triggered. Just leave it as-is. New money you invest should just go into your new strategy.

Heyhayheigh

What should someone do with extra money they won’t need for years do? The options are to continue to invest nothing (stupid). Hire an advisor to invest 800 a month in a balanced portfolio (pretty much a waste, not enough money). The purpose of savings and money doesn’t change because someone is old. This person could live another 20 years. You’re assuming she is on deaths door with zero reason to believe that, she still works (healthy enough to work). OP’s question is pretty clear. How should she invest the extra 800 she doesn’t need: VOO and chill is fine. Do I think she will: no. But the answer is still the same. Or what suggestions are you making? Spend the money? Hurry up and die already? VOO and chill, set your beneficiaries, set to auto invest. Sell when you have something urgent to pay for. $200/week. Move on with your day. Plan doesn’t change.

The-WideningGyre

I'm personally not bullish on META, but I've never been, so obviously not the most accurate there. SNDK seems solid, and partaking in the compute hw buildup. However, I think you may have missed the main run-up (of course, nobody knows). ADBE I'm pretty skeptical. I think AI stuff (which they also do well) is going to shrink their market substantially. Like half the low-level graphic designers are going to be out of a job because you can ask AI to produce a logo and get something similar. ROBO is interesting -- I hadn't seen it before. I personally would say 5% for ROBO and VRT, 10% for SNDK and the remaining 80% in either VOO, QQQM, or VTI. Okay, this is your play money, so bump up the %'s in single stocks, but I'd personally look into other options or plays than ADBE or META. Some of it depends on what is going on in your main account, and how concentrated or balanced it is. I do think for "play" stocks, that you're hoping will explode, there are more interesting options (drones, quantum compute, space, cybersecurity, materials like uranium or rare earths). Be clear, it's gambling, but that seems to be what you want to do anyway.

D74248

> Overall, you can't go wrong. Go take a look at the chart for VOO between 2000 and 2010.

inthehill

I agree with everyone else, and you likely know the VOO has a slightly lower fee. But only changes a line on your statement. For the tax part it would depend on your regular income, filing status etc. If you are married and earned $50k this year you might not owe anything extra. If you pay someone to file, ask them. If you do your own return, now’s a great time to figure it out if not for this event, for another one later.

PashasMom

Don't sell, just contribute to only one of them in the future. Incurring taxes is not simple or efficient. I would pick VOO as the one you are contributing to just because it has lower expenses.

Zealousideal-Shoe527

I think i am glad i have VOO

Orki030

Overall, you can't go wrong. VOO has been stable for three years. Last year, it gained 15.59%. My opinion: S&P 500 index benchmark. The reference index it uses looks solid.

SpellAccomplished541

No. that was my cash in 2000. After that I put my money in fidelity target date retirement account and Contrafund, but in hindsight I would have been better off with just VOO or SPY

SpellAccomplished541

True. I just want to share so young people buy VOO/VT/VTI/etc instead of listening to hot tips.

surfcapitalist

At a bare minimum, you should consolidate VOO and VFIAX in your Roth. I’d also get out of the target date fund; just keep your foot on the gas in equities and split it between growth and whichever fund you choose between VOO and VFIAX. Keep cash as is if you want to buy a house in the short-term.

Aureliamnissan

My assumption is that this is *maybe* enough to justify the fact that buying an ETF like VOO still leaves you shockingly vulnerable to NVDA earnings. Sure you can go and diversify elsewhere, but at some point this feels like running for a different tree in a rainstorm for cover. I’m happy to include nvidia et all in my portfolio, but when damn near everyone including the conventional “set it to ETF and forget it” people are more than 20% dependent on NVDA’s success I get concerned. All it really takes is an investor run on some of these companies to reverse a lot of the gains. Will that happen? I don’t know, but the risk/reward isn’t worth it IMO. If they were beaten down some I might consider it, but at this point it is moonshot investing, not value investing. Consider me a hater I guess…

D_Pablo67

I prefer ETF to mutual funds. I do not want capital gains distributions from mutual funds. I would sell your first three and buy VOO and QQQ, then a much smaller allocation to IVES and GRNY. You need some financials. I own Goldman Sachs and NASDAQ the stock exchange along with Capital One.

Singularity-42

There are tax implications though. I have well into the 7 figures portfolio with about 40% gain currently. Lots of different tickers that are part of VOO and VEU. But quite tech heavy. Same as OP, afraid to sell lately since usually when I did it was the wrong move. Any best practice on rebalancing into a more broad portfolio in a tax optimal way? I mean I have some ideas but it would be great to hear from others as well... 

baseballer213

You have $170k in cash earning yield while your Roth fights itself. VOO and VFIAX are identical tax-twins, and holding a Target Date fund with individual ETFs defeats the entire purpose of paying for its auto-balancing strategy. VIGAX is just the expensive subset of the S&P 500 you already own. I'd consolidate the Roth overlap into VOO or VTI, keep the cash liquid if the house purchase is imminent, and stop complicating a simple game.

Effective_Club_1948

Should I just consolidate it all into VOO? Then put some in bonds and international stock...

MaybeTheDoctor

At that age don’t do VOO for her self, SGOV is likely better as she gets money market high yield interest, low risk and good liquidity to pull the money out when sad one high ticket expense comes along.

Heyhayheigh

She will have problems opening a n account online because of her age. It is a risk to the broker. But the plan should always be the same. Have emergency fund. VOO automatically and weekly, sell when you have something urgent to pay for. Crazy to seek volatility first time at that age. Best of luck though.

The_Worst_Trader

Honestly man as long as you put your money towards anything that’s not going to die by your retirement age you will be fine. Find stuff you want to put money in, when you’re a share holder in a company you are a partial owner. So what would you want to own? What do you think has long term value? The most important part of how you invest especially at your age is consistently dollar cost averaging into the market. Daily, weekly, monthly, etc. find out an amount of money you can consistently invest until retirement age. Most people do weekly or monthly. It doesn’t matter how much it is. Just put something in consistently. The idea is you don’t want to skip putting money into it at all, and the older you get hopefully you can increase what you’re consistently putting into the market. If you really just want to know what exactly to put your money into and don’t care about buying specific companies, just buy ETFs or indexes like SPY, SCHD, VOO, QQQ, etc. Regardless you’re doing well man. Don’t look for any get rich quick schemes. The goal is to set yourself up for an easy and hopefully early retirement. It will take decades. The market is a time game brother. The sooner you’re in the better.

Yellow2Gold

You've taught me to pull out some $$$ OP. Probably anything above $200k will be put into gold or VOO or something...

slayton5us

90% portfolio VOO, DIA, QQQ Also sell puts and sell calls on Hood, RIOT and Tesla

BagHoldersOfAmerica

My friend owns 0 stocks and has been buying crypto all year avging down basically, is fully convinced it's going to 10x despite being in the red and won't hear any criticism, also hates Gold Silver and Peter Schiff with a passion. I tried even recommending SPY or VOO and he won't. I just don't get it. He's deep in the crypto subs and discords I think it's just an echo chamber

argo-navis

VOO is definitely the gold standard (funny how it used to be SPY — but Vanguard’s taken over!). Sometimes VT. I’m Canadian and a recent popular index of the past while is XEQT — basically a diversified total world ETF but with higher Canada exposure than other world ETFs do.

Own-Day4185

VOO is my benchmark.

Yellow2Gold

Bro would probably be a millionaire by now if he VOO'd and chilled.  lol Not as fun tho.

Dramatic-Morning-100

Agreed, in the case of managed ETF's. It's my impression that there are degrees of management, reflected in their different costs. My concern is that the less management, the less accountability to shareholders, especially in the case of fully passive indexes such as VOO and VGT, which I hold.

teckel

Invest in VOO, VTI or VT at first. no reason to over think it. Once you have $20k or so, then maybe you could consider other options, or not, you can just hold those and nothing else.

AdamantheusEnigma

I’m all shares since May, i’ve boomerized myself as a long term good boy investor. Still have a good 2-3 stocks on my watchlist debating whether or not buy in. Portfolio is pretty much all VOO and SCHG, supplemented by probably too much in RKLB lol

Various_Couple_764

bit ocoin is not a project. It is a business like any other. Some companes have large computers working through the complex math to mint bitcoins and sell the coins. Other companes will hold your bitcoins like a bank holds cash and charge you a fee. And ts hen there are investment companes. BTCI invests in bitcoin index and sells covered calls on the index. The profits from the call is payed out as a dividend. But to the volatility of bitcoin it has a high 25% yield. Bitcoins are treated a lot like gold by investors. So you could invest in IAUI which is equivalent to BTCI but it invests in gold. but i believe the yield is about11% If you want S&P500 and bitcoin. I would go with VOO and BTCI.

slayton5us

Be safe man VOO, QQQ, DIA

slayton5us

90% portfolio is VOO, DIA, QQQ

slayton5us

Keep it simple VOO, DIA, QQQ

Past_Reflection_9695

Just VOO and chill my bro

CaptainWhite1964

VOO and chill

NotEasyBeingGreener

An ETF like VT is going to give you the most diversification. It is roughly 60% VTI which is the total US stock market index and 40% VXUS which is total international. VTI is pretty close exposure to the S&P 500 (VOO) but also includes mid and small cap companies (about 10% by weight) https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO

RetiredEarly2018

If you do not plan to touch the money for 20+ years, then safe and efficient (the way those terms are usually used) shouldn't come into it, because over that span greater volatility generally means greater returns. I would thus be thinking something like QQQ rather than VOO or S&P 500 or even VWRL.

throwawaystevenmeloy

Forget about the "what you believe in" when investing and stick with VOO, which is an etf for the S&P500. For causes that you believe in, set aside some funds and donate to the project

6541191

For a truly "set and forget" ETF investment, I'd recommend using a major brokerage like Vanguard, Fidelity, or Charles Schwab. They're established, well-regulated, and have survived multiple market cycles. For your 20-year timeframe, consider a low-cost total market ETF (like VTI or VOO). The fees matter tremendously over decades - even 0.1% difference compounds significantly. Most brokers now offer automatic investments, so you can regularly contribute without lifting a finger. Also, consider using tax-advantaged accounts (IRA/401k) before taxable accounts for long-term holds. Remember to rebalance occasionally (annually is fine) even for a hands-off approach.

HaruoPanda

The S&P 500 (not SMP500) is an excellent core choice for long-term investing. With a 20-year horizon, you're positioning yourself well for compound growth. Consider a low-cost index ETF like VOO or SPY. For diversification, you might add: - 10-20% international stocks (VXUS/VEA) - 10-15% in bonds (gradually increasing as you age) Your Bitcoin allocation makes sense as a small speculative position (<5%). Just ensure you understand wallet security and storage. Most important: automate regular contributions regardless of market conditions. Time in the market beats timing the market, especially over 20 years.

GGTheEnd

Just throw it in ETF's, im sorry but you saying "Bitcoin is due to liking the technology" is generic and means you probs know nothing about bitcoin or stocks. Just buy S&P and VOO.

Sarpatox

If you don’t want to think about it, look at some etf funds like VOO (S&P 500 companies) or VTI (which is the total market index). You can also find ETFs for different industries like tech, energy, airlines, etc.

Heyhayheigh

Where did you get the “significant amount of money”? Was it money you had on the sidelines? Dry powder? Or did you sell something else to switch to this? If you’re passionate about personal finance, automate. Buy VOO on an auto weekly basis. Sell only when you have urgent bill to pay for. That’s it. That’s all personal finance is. Spend less, invest more, sell when you need to pay for something. This is no insult, but I bet you’re confusing passion with needless emotion. How you feel is irrelevant. Money is about when you will spend. Super short term, checking account. Short term emergency fund or known larger expenses, SGOV. The rest, some other plan (VOO is fine), but always auto and weekly. You will learn other more advanced things as you go. Roth, tax loss harvesting, maxing 401k to lower taxes. Rome wasn’t built in a day. But the foundation is always spend less, invest more, don’t rely on self discipline, do it auto. Work to increase that auto. You shouldn’t have large sums take advantage of dips. You’re likely doing it wrong. Or if you make good money find a trustworthy pro and delegate the task for the majority of the work and you just do small amounts on the side. Best of luck.

wraithpwner

These are basic order types for trading: **Buy order**: You're telling the broker "I want to purchase X shares of VOO." **Sell order**: You're saying "I want to sell X shares of VOO that I own." For both, you need to specify how: **Limit order**: "Only buy/sell if the price is at least this good." Example: "Buy VOO, but only if it's $400 or less." **Stop order**: "Execute my order once the price hits this trigger." Example: "If VOO drops to $380, sell my shares." For your VOO plan, you'll likely want to use market buy orders (executes immediately at current price) or set up a recurring investment if T212 offers that feature.

allbutluk

Its the same, you are just emotional right now and scared of FOMO. Yes selling may miss out on future gains but you are also giving up VOO’s future gains

DesignerSea494

Ok. Ramp in hedges as your portfolio grows. KMLM, TLT, GLD. Then, when you approach your target; start siphoning high risk plays and leverage into VOO. My number is 2M an here’s how I’ll be allocated when I hit that: 5% speculative, 15% leveraged SPY (UPRO or similar), 50% hedge (TLT, KMLM, GLD, Cash, and 30% VOO.

HaruoPanda

If your buddy's looking at a 20-25 year horizon, I'd suggest avoiding individual stock picks and leveraged ETFs for the bulk of the IRA. Those leveraged ETFs are designed for short-term trading, not long-term holds (decay can kill returns). For long-term success, consider a core allocation to a low-cost total market ETF like VTI or VOO (70-80%), with perhaps a tech sector tilt via QQQ or VGT (10-15%) if they want some growth exposure. If they're genuinely interested in crypto, a small allocation (1-3%) through something like GBTC might make sense, but emphasize this should be money they're comfortable potentially losing completely. Remember: diversification is what builds sustainable wealth over decades.

GreyBoyTigger

Time to get sold on some fake meat stocks or be really boring and put a big chunk of that profit in something lame like VOO

randombetch

VOO and chill.

Thin_Onion3826

Bro, get out now and put that shit in VTI or VOO or something

BradBrady

Love seeing all the RKLB love. That’s my biggest hold besides VOO

Heyhayheigh

Google dividends are not free money. Talk to a Fidelity advisor on the phone. Sell assets to cover that loan. Don’t pay high interest. Buy QQQM or VOO on an auto weekly basis. Stop dividend hunting. Sell only when you have something urgent to pay for (like this high interest loan). That’s all investing is: spend less, invest more automatic. You sound young. Learn this early. Best of luck.

Mindless-Principle17

My parents brought 4m worth of whole life insurance 13 years ago. The amount of money we’ve paid in premiums we could have made a down payment on a 8 million dollar property. Don’t fall into the trap. Take the funds each month for the first few years and real estate or just put what you would have paid in premiums into VOO.

MeteorPunch

You can go the VT/VTI/VOO "safe route" and whenever it drops, think about how most everyone is "losing money" today along with you.

jldstuff393

I don't think there's anything anyone here can say to convince you to change your mind, but you're operating on greed and that's why you're going to go to zero. You can't accept having less than a million dollars, but unfortunately the market doesn't care about your neuroses. But, for what it's worth, I will try. Please, put this shit in VOO. If you need to play with money, put 90% in VOO and play with 4k. If you can turn 40k into 1m (an easy 20x right?) you can turn 4k into 1m. You just have to do that same 20x, and then one more 10x. THIS IS EASY. IT'S WHY THERE ARE SO MANY BILLIONAIRES! MY BRO IS ONE, HE GOT THERE BY TRADING 0DTEs AND HIS SECRET WAS JUST TRADING ON MONDAYS WEDNESDAYS AND FRIDAYS. HE STARTED WITH 1K AND JUST GOT 6 10-BAGGERS. 6! THAT'S NOT MANY! YOU WILL HAVE NO PROBLEM.

DuckBillPlatypusMan

I’ve been buying VOO in my Roth IRA and have started to buy some on Robinhood as well. Should I go more in one or the other? I’m 35 and not yet a homeowner. I’m new to investing so this might be obvious. Thank you.

malakim_angel

good job on started in roth! add some on auto-deposit from your paycheck every month, if possible. Recommend ETFs instead of individual stocks. If you must play individual stocks, do it with like 10% of your portfolio, and put the other 90% in VT (total world stock index) or VOO (US top 500 companies)

Vivid-Society4589

Give me a good portfolio. Started investing 1 month ago. Here is what my portfolio is looking like. 37% VOO 33%BTC (bought a few of the dips) 30% NVDA I want to diversify my portfolio and have a couple ideas and have done a decent amount of research, but would like some education and suggestions from you guys and what is likely to drive the market in the upcoming years and why. I am a teenager so I have plenty of time to hold and learn. Thank you god bless.

evangr721

90-100% VT or a VOO and VXUS Blend. Depending on age you may want to get some bonds in there, but it’s not my thing.

Unhappy_Painter_937

You’re probably not inclined to take out 90% of it and gamble with the remaining 10% because it’ll slow down your journey to $1m. But if you’re worried about growing $4k to $1m, in lieu of blowing up the account somewhere on the way, then who’s to say you won’t blow up your account from $40k to $1m? Please take 90% out and buy VOO.

Last_Preparation_446

I would put 50% into VOO and 50% into QQQM.

NoThxMang

VOO ftw

Due-Firefighter3206

VOO is high risk buddy. Calls are gambling. Don’t take advice from this guys

j____b____

Personally i would put it all in a money market fund that can get you around 4% and dollar cost average the it into the market slowly. For instance every week buy $X of VOO or some other index tracking the S&P. Good luck!

Remarkable-Ear-1592

yeah agreed. I would just 1) VOO and chill 2) Long term positions in high quality stocks

PraetorianX

20% Nvidia, 20% Google, 15% Apple, 10% Microsoft, 5% Amazon and 30% VOO

Independent_Clock224

VOO set and forget. Make sure you max out IRA

Lakernation123x

Im a financial advisor. Take your time. VOO may or may not make sense for you, especially given your concerns. I mention this as everyone here is telling you to buy VOO. Are you okay with market volatility? Do you need this money anytime soon? What if went down by 50%? Just some questions to consider

no-snoots-unbooped

I would read on on r/Bogleheads which is a low cost index fund investment strategy. They have a section about [managing a windfall](https://www.bogleheads.org/wiki/Managing_a_windfall). Basic idea is invest in broad index funds like VOO (S&P 500) or VTI (US Stock Market). It’s largely a set it and forget it approach to investing.

dandr01d

VOO is already massively in tech

teacher_59

I just found this site, but I already know the answer to this question. VOO

PotentialDifferent72

https://investor.vanguard.com/investment-products/list/etfs?filters=open Do ETFs until you're more comfortable with what you're doing. It also depends on your strategy. If you want your account to be more active I'd recommend hiring someone to manage it. If you're just gonna buy and hold forever then start with VOO. Just don't try to time the market. If it was me I'd do $5k a day into VOO until it's gone.

Slightly-Blasted

DCA into spy. DCA into SCHD. DCA into VOO DCA into QQQ for heavier tech exposure. Do 1K in each a week, 200$ a trading day

SlyJoker97

VTI>VOO only because VOO leaves out the small caps

ignatious__reilly

VOO or VT That’s the answer

tonufan

It depends. Some will just stick your money in a mix of VOO and Bonds while eating a lot of your returns in management fees. I saw a guy that had like 30 different ETFs in his portfolio from his advisor and he was under performing the market significantly. Nowadays you can do pretty well with robo advisors from major brokerages like Vanguard or target date funds. With that amount of money I'd check out several different advisors if I had to get one. Personally I'd do a mix of VOO/VTI and QQQM/VONG if your young and have higher risk tolerance.

leb0njanes178

Depends how much risk your willing to take? Me personally i would take 300k and put it into a less risky investment like VOO, take the 100k and have some fun with it, im not saying put it all on black but take some more riskier trades and see what you can turn it into. We are in a bull market so with the right choices you should be able to beat the average VOO return

Citizen-Erased-763

If you are asking this question, then ETFs are the way to go. Especially VOO

CalmTrades

High Risk = All-in META or NVIDIA calls Low Risk = VOO

osified

VOO is the obvious choice. If you want to go tech I'd recommend AMZN or GOOG. Have their hands in everything and have solid foundations if AI goes belly up.

BeneficialQuality899

VOO

aur3l1us

I’m in the same boat (wanting to buy a house but can’t yet financially make it work without immediately being house poor) and I’ve decided one 60/30/10 split of VOO/QQQ/individual picks like GOOGL or crypto once it looks like a bear market is confirmed.

Ishtastic08

My portfolio is invested, a mix of cash, stocks and ETF’s. This was in my IRA, so I’m pretty sure I just reinvested those gains into VOO or SPY.

Emotional-Power-7242

He's repeatedly said the best strategy for anyone who isnt a full time professional invester is VOO & chill.

sandygws

VOO +17% on the year!

TheUltimateCatArmy

Yes that’s how the market works? It crashes sometimes but you’re acting like tomorrow VOO can hit 40 and that it can’t ever recover.

-TrueFacts-

VOO n chill (not that I ever would)

88j-v-wms10

VOO is being propped up by the MAG 7. If he wants to set & forget, an index that tracks the entire US stock market(small, mid, & large cap stocks) would be better than one that only tracks the S&P500(only large cap stocks).

potato111a

never too late to start, and can add more every time VOO dips 1% nfa

en6ine325

looking for some advice on the portfolio im building to buy a house with in 4-5 years time, not looking to get rich, just to make as much money without risking much, looking to dump 500+ a week in with these percentages: 40% VOO (Vanguard S&P500) 20% BOXX (Alpha Architect 1-3 Month Box) 20% QUAL (iShares MSCI USA Quality Factor) 20% SPVL (Invesco S&P500 Low Volatility) TIA

chut22

I created what I think is a safe and well diversified long term portfolio. Point out any flaws or oversights. || || |Asset|Percentage|Vehicle|Notes| |S&P 500|50%|$VOO|Ol' reliable| |High Dividend ETF|10%|$VYM|Value Stocks / Passive Income| |Developed Markets ETF|10%|$VEA|International Exposure| |Real Estate ETF|10%|$VNQ|Asset Diversification / Passive Income| |Gold ETF|5%|$GLD|Inflationary Hedge| |Bitcoin ETF|5%|$IBIT|Inflationary Hedge| |Speculation / Hedges|5%|Growth Stocks / $QQQ|Swing Trades / Hedges| |Cash / Bonds|5%|Cash / $BND|Cash & Cash Equivalents for buying opportunities| |Total|100%|||