7 ms·

Ask HN: How do you invest your money?

17 points by vivekseth 6y ago

kleer001 6y ago
Lazily and automatically when possible. Also with tiered levels of liquidity. Higher liquidity equals lower interest.
dhruvkar 6y ago
- 25% Wealthfront (~medium aggressive fund) - 30% Industrial/Commercial Real Estate - 5% Crypto - 40% Cash I'd like to reduce the cash. Will probably buy gold with about half the cash to align with a more all weather portfolio [0]. 0. https://ofdollarsanddata.com/ray-dalio-all-weather-portfolio/ https://ofdollarsanddata.com/ray-dalio-all-weather-portfolio...
- giantg2 6y ago
  Gold is kind of high. I like platinum. It should rise with inflation and also rise as the economy picks up.
commonturtle 6y ago
Just index funds for now. ~70% in some Vanguard world index fund and ~30% in bonds. But I'm planning on doing some research on some microcaps as well. For individual investors with sub-$1M portfolios microcaps are one of the few places where we can seek alpha.
- Shatnerz 6y ago
  Out of curiosity, how soon do you plan on retiring and and how much longer do you plan on living? Everyone has different allocations, but I rarely see people talk about having 30% in bonds. Have you been increasing bond allocation over time or just sticking to a 70/30 lazy portfolio?
  - commonturtle 6y ago
    I'm 29, following the rule of thumb where you have (your age)% in bonds and (100 - your age)% in stocks. Is 30% too much or too little from your experience? I can understand people preferring stocks at the moment because bond yields are so low. But that won't be the case forever :)
    - Shatnerz 6y ago
      In my experience it is higher than I see people recommend. Yeah, I don't necessarily agree with the people who go 100% stocks. I know some retired, older people who seem pretty stock heavy as well. I guess everyone has their own risk tolerance. I probably need to rebalance my money, but I'm a similar age (normal health) and I shoot for 10-15% and that's on the higher end of the people I discuss my finances with.
marketgod 6y ago
TSLA/AAPL and options. Seriously get in TSLA. It's going to double by March, probably earlier. I could buy ETFs and do the boglehead/lazy portfolio but the returns are minimal compared to picking market leaders. Also you need to be making serious money for those to be valuable or live a frugal life and then spend when you are dead.
- mikeodds 6y ago
  Let’s agree a stake. If TSLA has doubled by the 1st of a March this year I will give you 2x, if it doesn’t, you have to me 10x. Deal?
  - marketgod 6y ago
    And why would I give you 10x if the market is giving me 100x? You should be giving me odds actually because I'm actually taking a bigger bet. Anyways when it cracks $440 on Monday and I get my new options, I will do 100% on those meaning it should be about $500 a share by Friday. Also if what I said was so preposterous you should have said, I will give you 10x your return if that happens and give me a 2x if it doesn't.
    - mikeodds 6y ago
      Well you’ve stated it as an absolute, so it must be sure thing right?
      - marketgod 6y ago
        There are no guarantees in the market. If there was I'd be a billionaire right now. You can place it in an lazy/bogleheads portfolio if you want to reduce risk and even that is not guaranteed. The only difference between what I said and an ETF is $TSLA will turn $100,000 into $1M in a decade but the ETF will only turn $100,000 into $400,000 in that same time frame (if the SPY continues its 10-year returns.)
  - AznHisoka 6y ago
deanmoriarty 6y ago
My portfolio is split 50-50: I have $2M in common Vanguard index funds (VTI/VXUS/BND), and $2M in private illiquid equity from a startup I worked for in the past, via options I exercised. Every now and then someone contacts me interested in buying some shares of that company, which I promptly sell and immediately buy index funds with the proceeds. I liquidated about $1M of those shares already, I wish I could sell the rest, it is so “painful” having so much of your net worth locked up into an incredibly illiquid, risky and unpredictable asset. I don’t invest in nor own anything else (except a few months of living expenses in a savings account): I’m a happy renter and don’t own a car.
- AznHisoka 6y ago
  How did you go about selling the shares? Did you go thru a 3rd party?
  - deanmoriarty 6y ago
    It’s been mostly professional investors reaching out to buy a portion of the shares.
digianarchist 6y ago
I'm in Canada. I buy VEQT.
max_hammer 6y ago
I am 34 and stilling YOLO-ing in Indian IT without any savings.But I have invested money in experiences. Last year I drove to NE part of country touching China, Nepal, Bhutan and Bangladesh Border. This made me quit my job without any other offer. I got hike of 35% during peak lockdown of Corona. Money in bank account is just numbers. Invest in yourself and learning.

17 points by vivekseth 6y ago

Lazily and automatically when possible. Also with tiered levels of liquidity. Higher liquidity equals lower interest.

- 25% Wealthfront (~medium aggressive fund) - 30% Industrial/Commercial Real Estate - 5% Crypto - 40% Cash I'd like to reduce the cash. Will probably buy gold with about half the cash to align with a more all weather portfolio [0]. 0. https://ofdollarsanddata.com/ray-dalio-all-weather-portfolio/ https://ofdollarsanddata.com/ray-dalio-all-weather-portfolio...

giantg2 6y ago
Gold is kind of high. I like platinum. It should rise with inflation and also rise as the economy picks up.

commonturtle 6y ago

Just index funds for now. ~70% in some Vanguard world index fund and ~30% in bonds. But I'm planning on doing some research on some microcaps as well. For individual investors with sub-$1M portfolios microcaps are one of the few places where we can seek alpha.

Shatnerz 6y ago
Out of curiosity, how soon do you plan on retiring and and how much longer do you plan on living? Everyone has different allocations, but I rarely see people talk about having 30% in bonds. Have you been increasing bond allocation over time or just sticking to a 70/30 lazy portfolio?
- commonturtle 6y ago
  I'm 29, following the rule of thumb where you have (your age)% in bonds and (100 - your age)% in stocks. Is 30% too much or too little from your experience? I can understand people preferring stocks at the moment because bond yields are so low. But that won't be the case forever :)
  - Shatnerz 6y ago
    In my experience it is higher than I see people recommend. Yeah, I don't necessarily agree with the people who go 100% stocks. I know some retired, older people who seem pretty stock heavy as well. I guess everyone has their own risk tolerance. I probably need to rebalance my money, but I'm a similar age (normal health) and I shoot for 10-15% and that's on the higher end of the people I discuss my finances with.

marketgod 6y ago

TSLA/AAPL and options. Seriously get in TSLA. It's going to double by March, probably earlier. I could buy ETFs and do the boglehead/lazy portfolio but the returns are minimal compared to picking market leaders. Also you need to be making serious money for those to be valuable or live a frugal life and then spend when you are dead.

mikeodds 6y ago
Let’s agree a stake. If TSLA has doubled by the 1st of a March this year I will give you 2x, if it doesn’t, you have to me 10x. Deal?
- marketgod 6y ago
  And why would I give you 10x if the market is giving me 100x? You should be giving me odds actually because I'm actually taking a bigger bet. Anyways when it cracks $440 on Monday and I get my new options, I will do 100% on those meaning it should be about $500 a share by Friday. Also if what I said was so preposterous you should have said, I will give you 10x your return if that happens and give me a 2x if it doesn't.
  - mikeodds 6y ago
    Well you’ve stated it as an absolute, so it must be sure thing right?
    - marketgod 6y ago
      There are no guarantees in the market. If there was I'd be a billionaire right now. You can place it in an lazy/bogleheads portfolio if you want to reduce risk and even that is not guaranteed. The only difference between what I said and an ETF is $TSLA will turn $100,000 into $1M in a decade but the ETF will only turn $100,000 into $400,000 in that same time frame (if the SPY continues its 10-year returns.)
- AznHisoka 6y ago

deanmoriarty 6y ago

My portfolio is split 50-50: I have $2M in common Vanguard index funds (VTI/VXUS/BND), and $2M in private illiquid equity from a startup I worked for in the past, via options I exercised. Every now and then someone contacts me interested in buying some shares of that company, which I promptly sell and immediately buy index funds with the proceeds. I liquidated about $1M of those shares already, I wish I could sell the rest, it is so “painful” having so much of your net worth locked up into an incredibly illiquid, risky and unpredictable asset. I don’t invest in nor own anything else (except a few months of living expenses in a savings account): I’m a happy renter and don’t own a car.

AznHisoka 6y ago
How did you go about selling the shares? Did you go thru a 3rd party?
- deanmoriarty 6y ago
  It’s been mostly professional investors reaching out to buy a portion of the shares.

digianarchist 6y ago

I'm in Canada. I buy VEQT.

max_hammer 6y ago

I am 34 and stilling YOLO-ing in Indian IT without any savings.But I have invested money in experiences. Last year I drove to NE part of country touching China, Nepal, Bhutan and Bangladesh Border. This made me quit my job without any other offer. I got hike of 35% during peak lockdown of Corona. Money in bank account is just numbers. Invest in yourself and learning.