What does your personal portfolio look like?
I'll start. Have about $250k saved:
- $25k in random cryptos (mostly ETH, down 50%)
- $25k in TQQQ and UPRO (underwater by around 20%; thought tides would be turning earlier)
- $10k in i-Bonds returning 9.62%
- >$10K = SPY, QQQ
- $180K cash
How about you guys? I don't feel great going short but don't want to DCA either (just yet). Looking for other options. Can't buy individual names
Looks like you're trying to time the market, defeating the purpose of DCA....
50% Vangaurd
30% Equities
20% Crypto
100% food rent booze clothes and impulse purchase
how many years did it take for you to save this? is this just 3-4 years? what city do you live in and whats your split between expenses for saving/expenses/rent etc? just curious - thanks!
2.5 years-ish:
are you getting 100% bonus? or had luck with your portfolio? 225K from work in 2 years is an insane amount unless you're working at a place with high bonuses. if you're making 110K base, 60K bonus, after taxes you get (110*.7)= 77K from base and lets say 30K from bonus assuming 50% taxon that. Does that mean you literally spend nothing? something doesn't add up.
It’s called daddy’s money, not that hard to guess
Not at all man.
Grew up with household income around 40-50k.
..
$90K into a mix of equity indexes (primarily SP500 and some international)
$20K BRK.B (i view this as a diversified index similar to SP500 but perhaps better during a bear market). Will plan to grow this position relative to equity indexes because I believe in Berkshire.
$15K Meta (after it dropped in the 90s - seems like a no brainer imo as a long term bet)
$10K deal by deal co-invest at work (only one deal now as ASO1 and planning for co-invest to become the largest as % of net worth as i advance. Higher risk higher reward relative to indexing and i am relatively young so fuck it)
$35K cash / emergency fund (looking to keep $20K as EF and coinvest the rest as deals become available)
How does going all in on co invest usually go for people in the long run? What is your plan? I assume if funds perform at a moderate rate for the next 10 years then you will get crazy returns. Also, doesn’t this make the majority of your net worth illiquid? Just trying to learn.
(1) Given that I work in PE, I see it as having an opportunity to invest in an asset class that most people do not have access to which I find pretty neat. (2) Working for the firm while we make these investments is a good way of aligning myself and feeling like I have "skin in the game" so to speak. We target your typical 20% IRR so if we are able to hit these returns, they are obviously a lot more attractive than your standard SP500 index (albeit with more risk, concentration and illiquidity). This is more risky and makes my NW illiquid as you said, but given that I am very young (25) and with a slightly higher risk tolerance than average, I have no problem with waiting that out. This is not money that I would need in the next ~5 years. I view this as long-term investing and not something to make a quick buck. Because I invest deal-by-deal at my firm (NOT on a fund-level where payouts might be every 10 years?) I get my co-invest back (with profit) once we exit an investment which typically takes 3-5 years. Once I have a consistent stream of co-investments I should technically be getting a payout almost every other year at exit so illiquidity becomes a bit less of a factor in my mind. Hope that makes sense.
Bearish on META.
Like BRK, don't like how old Buffet and Munger are though.
Its 100% assumed they would die during my hold period. I do think the next level of leadership has been very well groomed in the Berkshire culture though (and have been working alongside Buffett/Munger for decades) so that will remain to be seen.
5% Crypto
50% vanguard s&p500
35% vanguard total world / ftse global index
10% cash
don’t add to crypto anymore. DCA equities monthly
Gotta be careful with the world index (reporting standards are not up to par with U.S.). Believe the domestic fund has [historically] outperformed world fund as well.
Yes ofc. Just rather not be too extremely overweight USA
asked our international PM's this same questions, and as far as developed international, IFRS is getting pretty close to GAAP and that money managers in the US who follow companies that report under IFRS feel confident in accepting their reporting standards as factual.
Red, my personal portfolio looks red.
Ugh... hate you for making me look:
$40K across a handful of single name stocks
$70K Split across TQQQ / QQQ
$22K SPY
$35K DIA
$15K ARKQ (fuck me)
$15K TAN
$13K VIS
$6K XLV
$20K cash... usually I DCA but I've paused as I think I'm going to have a significant expense coming up soon
Good try, I’m not checking that shit lol. Mostly in index funds tho. Crypto is ass
I have access to Morningstar Advisor and some other pretty high end planning softwares. I basically steal the ideas from the top institutional investors and access their strategies for free. The likes of Blackrock and JP Morgan, which I believe are the best providers, offer model portfolios ranging from "Conservative Income" to "Aggressive Growth." I filter which model portfolios in the aggressive growth category have had the best performance, and then look up their individual holdings (which is usually 8-10 funds/etfs). I then buy those exact funds and ETF's in my personal account down to the exact same allocation percentage. So to answer your question, I'm about 10% Large US Value, 10% Large US Core, 30% large growth, 20% mid growth, 10% small core, 10% international large core, and 10% international large core EM. I then DCA to keep those percentages, so if one asset class has run up/down, it will dictate my larger trader towards it.
20% in real estate (direct properties)
50% in equity ETFs
10% in BDCs (March 2020 basis)
20% cash
Super small account of 10k - All holdings are 5 percent to 15 percent: (OW financials, healthcare, and tech)
MSFT
CRM
META
BABA
CVS
C
ICE
STT
EVR
RUN
RTX
ELV
GOOGL
Another 35k in Vanguard's Windsor II.
What bonds are these exactly? 9.62% seems like a very good yield, what's the long-term average?
US Treasury I-Bonds
Interest rate linked treasuries called I-Bonds. Adjusted every 6mo to the current rate of inflation. For the past year or so its been at 9%. New rate is around 6%.
They're 30 year bonds but you can sell after a year. Selling before 5 years has a dividend penalty.
Interesting, thanks!
When you're posting your portfolios are you talking about stuff that's strictly in a brokerage account or are you also including IRAs, Roths, 401ks, etc?
Brokerage. I just dump into whatever 2055 fund and ESPP for 401k. Don't really track or balance it.
50% Vacations, 25% cash, 25% TQQQ. YOLO
I’m going to start off by saying that people are not good at picking stocks in general – this much is pretty widely known. With that said, it’s pretty funny, but mostly sad that IB people are just as not good at picking stocks, including myself.
Mostly every retail investor I (anecdotally) see bought into risk-on shit growth companies and crypto and now in a risk-off environment, everyone is being taken into the woodshed this year.
The only difference I can tell between dumb retail investors actually working in retail and dumb retail investors working in banking is that the bankers can afford to make bigger dumb bets. I’m DCA-ing into index funds (S&P) and holding my individual shit stocks as a reminder of how bad my judgment can be.
Correct, one caveat I would have is that educated retail investors and accredited investors acting on behalf of themselves have been pretty good at asset allocation and choosing funds and broad ETF's compared to institutional asset managers and advisors. Also, one advantage we have is that we don't have the "business risk" of taking on added risk to our portfolios if the upside match the downside. Most money managers can't invest in a certain way, because even if a fund or model is down 50%, they will be out of business and in outflows that completely destroy their asset based revenue, whereas individual investors can weather that 50% drawdown if they just wait. Advisors as well. An advisor can put their end client to potentially be down 50%, because even if that client doesn't sell out, they can still fire that advisor and just transfer their account.
TQQQ. Been on a buying spree baby
UROY calls.
Long term (retirement) portfolio:
- 45% US total market index
- 30% Intl total market index
- 15% US small cap value index
- 10% US REIT index
- I also have a small amount (equal to around 10% of the above) in what I call speculative (but still long term) investments in individual stocks, a small amount of crypto, and art work
Short term (cash) portfolio for a future downpayment + emergency savings:
- It's around 140K now, targeting getting it up to 200k
60% stocks 40% crypto - actually after investing a bit more it will be more like 70/30
stocks:
- US tech (Amazon, Meta) ~25%
- Chinese tech (BABA, Tencent/Prosus) ~25%
- S&P index ~50%
Crypto:
- BTC (30%)
- ETH (30%)
- MATIC
- LINK
- SOL
- XRP
- ONE / FTM etc
Good god how much money have you lost this year
oops
50% vixy
50% tqqq
10% 0% interest debt to family
40% public equities
20% cash
30% private equity
100k portfolio
Portfolio allocations:
95%: a replication of an uncapped variance swap. Obviously cannot do that in a retail portfolio so I harvest variance premium in the options market with strict parameters that very closely replicate it.
5%: Short 200 shares of Rivian Automotive.
I also don’t work in finance.
I find it interesting that a bunch of financial professionals invest primarily in ETFs tied to broad market indices. At best you underperform the market by expenses and fees.
Safer for many people but I didn't expect to see it here.
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