guys need some advice. so my girlfriend just ran into an inheritance and wants me to build her a portfolio (inb4 chimpout, im sorry i have a gf). I'm really skeptical of the market and the entire geopolitical situation rn and advised against it but she wants to. so im only letting her put in like 30% of the inheritance, and she wants very low risk. im probably going with the following:
>50% in USA and German bonds, perhaps Japanese but probably not >10% in commodities, gold, silver, perhaps lithium and others when i look into it >20% index tracking ETFs, SP500, DAX >final 20% in blue chips, this is mainly where i want advice. thinking the usual HD, MCD, KO, TSLA, JNJ, T, maaybe XOM. but i also want good European blue chips, particularly german/austrian/swiss. would also take jap tips as well
seems legit and thought out make it like 40% but DCA over a period of time
Jason Moore
don't really want to put her in crypto, thats my thing. i dont want to have a pink wojak with a wig for a gf
Hudson Sanchez
Bonds are shit since intrests are low Just DCA in equity, and don't pick stocks mate. 60% VT, 30% global tech etf, 10% low beta: commodity/crypto Best advice i van give
Andrew Kelly
yea i understand, i was actually thinking the bonds are ironically the riskiest here given the global situation. i suppose the ETF route could be cool but she wants at least a few chosen stocks because she thinks its cool. what would you recommend for global tech? SOXL? was thinking msci world and VT might be better than SP500 and DAX also. did you also mean a commodity ETF as opposed to picks?
Anthony Walker
Il she a fucking grandma? What's wrong with a little risk? 10% is btc and eth. With the rest just sign her up for betterment and go 70% stocks 30%.it takes no thought, she never has to look at it, and after linking her bank account she can even set up recurring buys with each paycheck so it grows even more. Kind of an asshole move to purposely make her lose money by keeping the overwhelming majority in cash. Do you make her ask for permission before going to the bathroom too? I bet you say no half the time and she has to piss her panties.
Luke Allen
I would go global ETF only, so also no picking stocks. Global diversification is Nice, indexes do also rebalance so. Don't take leverage, crab market can kill this. Not sure which us ETF's. Im Eurobean and have LOCK and RBOT
Evan Price
I would recommend turning this around a bit and sticking to "easy" investments. Pick % by taste.
X% bonds - pick countries you trust. Probably just get an ETF on these so you can distribute risk across everything.
There use to be a whole "stocks vs bonds" thing but in recent history they have followed each other's positions rather than reversed them, meaning in the old days you'd expect bonds to go up when stocks go down. Now it is probably more accurate to think of them as govt stonks.
X% Stocks, index tracking - usually would recommend this as bulk of savings. use a bogglehead "3 fund portfolio" to simulate entire economy
x% - Cash equivalent, high yield savings account, checking account. I'd recommend setting aside an emergency fund outside of these %'s that is a cash equivalent. After that you keep a certain % of your money as cash equivalent as a hedge against money increasing in value or stocks going through the floor. I wouldn't recommend keeping a large portion of money here as even high yield savings accounts will barely keep up with inflation in the pre money printer days. I'd also recommend considering how much you have in this asset class without thinking about it.
x% play money - The investments that should be a small % of your total. In fact I'd consider them one "play money category". BTC, STONKs you think are hot, wallstreetbets style options trading, rando commodities the late night tv guy sold you.
30% cash equivalent because you are waiting on rona crash 10% bonds index 50% stocks index (which will reflect almost everything) 10% play money
Realistically people are dumb with money and do something like this without fully thinking about what their actual position is.
50% cash equivalent because everything not "picked" is in a savings account. 30% play money because I read a smart article on day and bought a pay check worth of FAANG stocks. Maybe this is split among 8 companies I totally think are good because I am diversified. Nevermind thats like .01% of the market and probably limited to a sector like tech or something that makes headlines everyday. Maybe rando commodity buys. 10% bonds because I am "safe", but rando bonds instead of an ETF so if the city/town/state the bond is part of gets fucked then your SOL. 10% stocks because I read about an ETF once.
Hudson Wilson
The only better answer than these two is to get a professional. I would be skeptical of listening to anyone that shits on cash and bonds right now. That's all I've got.
Carter Price
You're saying some odd things here OP, like calling TSLA a blue chip, and saying you're pessimistic on the global economy but buying a 3x long semiconductor etf and calling it stock picking.
I think you are overestimating your knowledge in this area.
William Hall
Holy fuck, negative interest rate bonds? Stocks in a bubble? Just buy gold retard.
Jordan Smith
Invest it in eastern Europe. Less diversity, more stability, more long-term growth.
Juan Flores
just do it, ARPA is a perfect entry point alt coin too
Jaxson Parker
An user "building her inheritance" instead of a CFP, oh this is gonna be good
You'd be better buying VTI and call it a day. Bonds in this environment? Commodities that never perform as advertised?
Adam Anderson
Buy PNK and DXD
Noah Anderson
OP, not sure how much knowledge you have in stocks, but seems like she wants long term holds. That being said, just wait for after the q2 earnings when shit hits the fan
Daniel Ross
all your fancy smancy blue chips and government bonds, and commodities are all mumbo jumbo. all you need is spy puts 270p 6/12 for financial freedom. you're welcome
Cameron Powell
TSLA is close enough to a blue chip at this point, dont be an overly technical faggot. and I forgot SOXL was the 3x leveraged one. im not literally buying the shit as i post, im simply setting up a research framework
Charles Powell
TSLA is missing some of the most important attributes of being a blue chip. Literally google blue chip.
Jayden Rivera
20 bitcoin 20 ethereum 50 chainlink 5 ripple 5 lumen e z p z
Christopher Green
Are you gay? 100% into leap options moron. Then when the money is doubled take out her initial investment and give it back to her. Tell her since you doubled it half those profits are yours and invest together with the gains. Stop being such a pussy faggot. Bonds? Premiums are so high rn from all the idiots like you who think they’re a safe-haven to move into. If you can’t 2x her money in this current climate then be real with her and tell her you know nothing about investing so she can leave you and be with someone else who knows how to make money.
Nicholas Smith
this is literally tesla you stupid fucking retard. just because its a newer one thats finding its price range doesnt make it not at minimum semi-qualifiable. the only glaring difference is not paying dividends but this is made up for by the upside potential and extremely small chance it goes anywhere but up for the foreseeable future (with eventual dividends mind you). you're in the geriatric warren buffet, narrow understanding of blue chip and what i obviously imply but including TSLA in the group of stocks im referring to
people who think options are smart market beaters are literal degenerate gamblers who will end up mangled underneath a train in a couple years. im open to the idea of not going into bonds as i clearly stated here several times but you're too much of an insane cokehead vapid faggot who watch wolf of wall street and has no personality
Adam Torres
>every weekend we get the ol' inheritance LARP thread >every weekend Zig Forums eats it up
>TSLA >excellent reputation >well established and financially sound >operated for many years >dependable earnings >paying dividends
Logan Rogers
Zig Forums likes talking about investing, surprise surprise
Jordan Thompson
Government bonds have zero to negative interest. Go with gold, real estate and a bit of stocks, NO crypto. Tech companies already pumped during corona. A lot of blue chips were doing pretty shit even before and this pushed them even deeper.
Go see a professional, but don't let them persuade you on hype stocks!
I have 30% in gold, 30% in currency (EUR and CHF) and 30% in property.
