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put it all on black
haha so +100% return - I like it
I wants three times my principal. At, least.
Depends on what you need, but if you put in in 10 year you could "get" 4.9ish% today. Not too bad.
Do you mean what I’d need to support my standard of living? Or the max I could feasibly get by having $30mm e.g. through access to alt investments as an accredited investor?
Eh, probably the boring answer. Standard diversification split after the regulatory stuff is taken care of, taxes, etc. May reach out to my lawyer to cover bases but $30M isn't enough for me to hire external help to manage that money. Guess I'm pretty good at this finance stuff!
But as for deploying it, I'd really just be looking for a stabilized and consistent return which is pretty damn easy to do now - both Schwab money market funds are above 5% alone, T-bonds clearing that as well. That's easily $10-15M right there going in, a no-brainer. Would also hit some small real estate dips, primarily institutional REITs (value-add probably) to lock down some tangible items. Beyond that, would stack it between SP5, LP stakes in smaller groups, and 'spending money' maybe. Would retire on the spot, that's for sure.
That's my adult answer, anyway. If I thought about it I'm sure I could make some more risky plays that could parlay that $30M (well, post-tax assuming 40% maxing at $13M lifetime exemption) into upper eight or low nine figures. But I'm not a skilled enough investor to do something like that. Would reap the rewards, buy a place in Europe & Colorado and just retire early. Sounds pretty nice right now...
Perfect world I would like to see minimum ~10%/yr but not sure how I think about returns in the future as I don't think they'll be comparable to the last 20-30 years. Don't think I would quit my day job just yet because I love what I do (even if the hours are sometimes unholy) and I get to meet a ton of awesome people. But if I were suddenly handed a lump sum of $30m post-tax I'd probably construct something like this:
All this for a measely extra 1-2%. Be a real hero and start a company with that money.
Or... Ground up development, make a 300 mill project.
Clearly not a financial advisor lol because in what universe does this allocation not even track inflation... I'm not in it to be a hero I'm in it to be rich af and build a dynasty. Betting it all on 1 venture would be borderline retarded (and that's coming from a gambler). I'm making plenty that can be funneled into personal projects/ventures and a $30m banked inheritance means I can immediately get started on my desire for a giant family and have ensured stability. I'm still in my 20s too which means by the time I'm in my 50s if I sustained 10%/yr I'd be worth over half a billion in 30 years w/o adjusting for additional income from PE which over time will scale meaningfully.
Starting a business with your own money is for chumps. It means your idea isn’t attracting investors. You’re just a hardworking dude whose dream is a profitable UPS route that might pay $200k/year.
A 10% average, would probably just drop most of it in the S&P, some in bonds for guaranteed returns and just ride it out.
5 years worth of cash flow in cash/ individual bond ladder. The rest in an individual stock/ etf portfolio (assuming all non-qual $). I'd be happy with 6.5% delivered very tax-efficiently.
Maybe some PE/ VC if the right opportunity presented itself. I wouldn't want to run a business or add any complexity with RE. Although, I would probably get extremely bored a few years in and have to pick up a project.
Market return
Found the academic
Honestly inflation (which I believe is 3-4% LT) + 3% real growth + 1-2% spending money. Altogether a 7-9% return would be more than sufficient. Need to take more risk than a traditional endowment but hopefully not way more
Realistically 7% probably better to optimize for than the 9%
If truly diversified, think annual returns are often just between 5-8%
One trip to Vegas, I’d come back with 60M
What would you play?
Bunch of nerds in here. Put all of it in conservative investments and party your balls off for the rest of your life.
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