rate my investment plan

[colontos]

I recently acquired a significant amount of money that I'd like to invest. The plan is to put this away and not think about it too much for several years. I'm looking to maximize long-term growth potential. Retirement accounts are already maxed so this is separate from those.

Here's what I'm thinking in terms of where to sock this away:
30% in VTSAX
30% in large-cap mutual funds (possibly VDEQX, any other suggestions?)
30% in small-cap mutual funds (particularly looking at Russell 2000 for this, welcome other ideas)
10% in crypto

What do you think? Anything else I should think about, like ETFs or the SPX? Welcome any input.

[tunafish01]

Why not just do 90% vtsax and 10% crypto?

[tripod29]

Long term looks good imo. Just don't jump ship if a correction happens. It's normal.

[colontos]

Why not just do 90% vtsax and 10% crypto?

Diversification, right? Or do you think that having it in the VTSAX is enough diversification in and of itself?

[Glock 22]

Here's what I'm thinking in terms of where to sock this away:
30% in VTSAX
30% in large-cap mutual funds (possibly VDEQX, any other suggestions?)
30% in small-cap mutual funds (particularly looking at Russell 2000 for this, welcome other ideas)

This is too much overlap.

That's like investing:
30% in PB&J Sandwiches
30% in Peanut Butter
30% in Jelly

VTSAX is already around 80% Large Cap and 20% Small Cap

Go with the 90% VTSAX if you're hell bent on doing crypto. Personally for long-term growth I would do 100% VTSAX and not mess with crytpo.

[DavidL913]

doesn't hurt to have some REITs.

[tunafish01]

doesn't hurt to have some REITs.

I personally think REITs are pointless. Plus VTSAX has i think 5% of them.

Regardless, owning physical property is miles better

[savageoldman]

90% indexed
10% high risk moon shot

[savageoldman]

I personally think REITs are pointless. Plus VTSAX has i think 5% of them.

Regardless, owning physical property is miles better

agree reits are wack

[Gringo12]

90% indexed
10% high risk moon shot

This tbh

Index fund like vanguard or fidelity.

They will out performs 90% of individual traders.

[mp83]

I recently acquired a significant amount of money that I'd like to invest. The plan is to put this away and not think about it too much for several years. I'm looking to maximize long-term growth potential. Retirement accounts are already maxed so this is separate from those.

Here's what I'm thinking in terms of where to sock this away:
30% in VTSAX
30% in large-cap mutual funds (possibly VDEQX, any other suggestions?)
30% in small-cap mutual funds (particularly looking at Russell 2000 for this, welcome other ideas)
10% in crypto

What do you think? Anything else I should think about, like ETFs or the SPX? Welcome any input.

Why the large cap and small cap on top of VTSAX? VTSAX is 85% large cap already. If you wanna overweight small-cap, go with S&P 500 index and then extended market index at different ratios. I would just go VTIAX, VTSAX and maybe some REIT index (like 10% or so).

Which cryptos and why those cryptos? Crypto is really gambling, so I'd stay far away unless it's just play money

[colontos]

Why the large cap and small cap on top of VTSAX? VTSAX is 85% large cap already. If you wanna overweight small-cap, go with S&P 500 index and then extended market index at different ratios. I would just go VTIAX, VTSAX and maybe some REIT index (like 10% or so).

Which cryptos and why those cryptos? Crypto is really gambling, so I'd stay far away unless it's just play money

I was thinking it would be more diverse to do large cap and small cap... but I am learning from this thread and from additional research that this is not quite the case. Thanks for steering me straight boyos. VTIAX is something I will look at a bit more.

Crypto: Bitcoin for the "serious" chunk of the money, may maintain a small play money fund for sh!tcoins but yeah it's just gambling. Bitcoin makes sense to me though, have been in it for a while (in smaller amounts).

[LargePeter]

Need more crypto and add gold/silver

Lmfao at crypto

[iifymbro]

Lmfao at crypto

btc is best performing asset of the 21st century

best performer of 2019

just lol if you didn't buy the 3k-4.5k dip and ride a 300% bull run

[LargePeter]

btc is best performing asset of the 21st century

best performer of 2019

just lol if you didn't buy the 3k-4.5k dip and ride a 300% bull run

Chit like this is exactly why I'm not

[mp83]

I was thinking it would be more diverse to do large cap and small cap... but I am learning from this thread and from additional research that this is not quite the case. Thanks for steering me straight boyos. VTIAX is something I will look at a bit more.

Crypto: Bitcoin for the "serious" chunk of the money, may maintain a small play money fund for sh!tcoins but yeah it's just gambling. Bitcoin makes sense to me though, have been in it for a while (in smaller amounts).

I think crypto is a bad idea for any more than 5% of your portfolio, and even that is probably too much. Yeah, it can explode, but it could also implode again. Also, smart to stick to bitcoin. Those other coins are generally nothing but pump and dump

[ymer]

How much are we taling about?

[colontos]

How much are we taling about?

about tree fiddy

[iifymbro]

Chit like this is exactly why I'm not

you must hate money

[MtMoriah]

Invest 90% in bitcoin - the greatest investment in history. I bought 250+ bitcoins 4 years ago and it made me a multi-millionaire. Still have more that half of them worth something like 1.5 million after taxes and its value is only going to up substantially.

[Spahgetti]

Invest 90% in bitcoin - the greatest investment in history. I bought 250+ bitcoins 4 years ago and it made me a multi-millionaire. Still have more that half of them worth something like 1.5 million after taxes and its value is only going to up substantially.

The wave is far over. And he said 'invest' not gamble.

[Ochosiete]

I'm 100% in vtsax...

[Luc1fer]

"several years" is not long term. 30+ years is generally considered long term. The question is how comfortable are you with a large potential drawdown.

The answer to this question is about how much risk you're willing to take. Are you okay with your investment being 30-50% lower in 5 years time?