/biz/ - Business & Finance

[Anonymous No.9518697]

What would your portfolio look like if you had 5m and why?

I will legitimately give $20 to someone who posts the most detailed and well reasoned post so leave btc addresses

[Anonymous No.9518715]

>>9518697
>$20 for detailed business advice
kek, enjoy your larps

[Anonymous No.9518730]

3m in chainlink, 2m in fiat to buy the dip

[Anonymous No.9518733]

>>9518697
how much do you make a data miner ?

[Anonymous No.9518745]

>>9518715
I will actually pay, wait and see

[Anonymous No.9518752]

>>9518697
>Asking for btc address and not eth address
Never gonna make it

[Anonymous No.9518764]

If I had 5m why would I invest in crypto

[Anonymous No.9518814]

4 million in Stock indexes, collect 3.5% dividends every year, easy money.
Any other answer is wrong, unless you're looking to be proactive about your investment.

Then the other 1 million is my house, my car, my modest middle class lifestyle with a couple of vacations a year

I'd also have 1 BTC, 1 BCH, about 5 ETH and some shitcoins

[Anonymous No.9518868]

>>9518697
Land, gold, silver, USD, ETH, vintage instruments, and firearms.

[Anonymous No.9518881]

>>9518697
I will cash out as needed, to buy a house, car, etc. Maybe cash out half and leave the rest in crypto.

Then I will just do whatever I want with that fuck you money, wisely though so it would last me my whole life.

[Anonymous No.9518898]

>>9518697

I would keep 21 BTC and 120 ETH to fulfill the 1 in a million memes.

The rest would be in 10% BND and 90% in VOO. I could mathematically prove to you that this is the best security allocation if you would like.

[Anonymous No.9518953]

>>9518814
There is no better answer than this.

[Anonymous No.9518988]

>>9518953

Why would you want to put your money in dividend heavy stocks when interest rates are rising?

That's a recipe for getting raped as your security portfolio will decrease in value.

Look at VTR, MO, KHC... Tell me how you're doing.

[Anonymous No.9519027]

All in aphqf . See you at 10 mill

[Anonymous No.9519050]

>>9518697
Fucks sake I just made a long ass post and my captcha went off causing my keyboard fuck up and backspace took me back a page.

OP if you're trying to be a serious investor, first things first read the Intelligent Investor by Benjamin Graham.

Second thing is to understand that in contrast to that book, these days the markets are hyper leveraged made possible by FRB, fiat currencies and central banks.
Is it dangerous? Absolutely. Will it crash? I have no idea. In theory yes but fuck knows really.
But if it does, EVERYONE will be fucked, not just you.

Therefore PERSONALLY if I had that kind of money, I'd actually be investing in my self sustainability so I can be the least reliant as possible on the outside world and external market forces.
Things like: Having a house, no mortgages, a decent bit of land with a vegetable patch.
An apple tree, a strawberry bush etc.
Maybe solar panels and a septic tank but I'd do a lot of research into it first. Solar panels might end up costing more but in case of an electrical outage due to the economy collapsing they wont seem so stupid anymore. (Not saying it will happen)

I'd probably have a safe with a few ounces of gold and silver. I'd certainly have some Bitcoin and Bitcoin cash.

My post >>9518814

Then the rest in stock indexes. Fuck growth stocks, just smile and collect those dividends.


>>9518988
They're not dividend heavy stocks they're Index Funds. S&P 500 etc.


I dont have a BTC address but donate BCH here
bitcoincash:qqdltz5szynuyxywldwmdjhqg0s6sp5nxyxtwwgkjv

[Anonymous No.9519083]

>>9519050
This strategy is where you HOPE nothing goes wrong, but are prepared if it does.

If you want a little more excitement you can obviously take about 20% of your stocks investment and do some research into particular stocks and invest in a particular company you like which you think will perform well over the next 20 or so years. The average person cant do this though, so the average person is best off with index funds. No trading, just hold that way you dont need ANY financial advisor, its just simple.

[Anonymous No.9519100]

>>9518697
All in BCH.

Send me my $20 reward in BCH or I don’t want it.

[Anonymous No.9519103]

>>9518697
1500-2000 in ETH
250 BTC
~500k USD in shitcoins you like - my picks would be:
50,000 VEN
10,000 BNB
70,000 ZRX
Take the last 1MM USD and live off 250k-500k for the next few years and leverage the rest of your USD to purchase rental properties/apartments or some other sort of venture to generate value outside of crypto.

[Anonymous No.9519112]

>>9519050

You're retarded if you think the S&P 500 index is yielding 3.5%

Actually kill yourself. It's know-it-all faggots like you who come on this board and spew out objectively wrong information and back it up with psedofacts to primp your ego.

[Anonymous No.9519130]

>>9519112
I dont actually know how much its yeilding because I havent checked. I think the FTSE 100 is yeilding 3.5% last time I looked though. I live in the UK.

I dont keep up to date with that kind of stuff, because Im too poor to properly invest in stuff and have it be worthwhile

This in no way invalidates my argument, but I would be very interested to hear an actual counter argument as opposed to this embarrassing little post you made

[Anonymous No.9519166]

$5M is more than enough money for every non-retard to stop working. Especially given that it's very unlikely for you to stop earning until the end of your life...
So anyway, safety first - $2M US bonds, $1M international bonds and $1M in a hedge fund that shorts shit stocks in addition to buying good ones (markets are in a bubble, too, you want to be beta-independent).
Probably $100k in cash in order to cover some emergencies. Also some spending money...
And the rest should remain in crypto imho. I'd personally keep 210 BCH, 21 BTC, 200 ETH, 2000 EOS and some shitcoins.

[Anonymous No.9519179]

I would copy an investing strategy from Triangle Investing by Wall St Playboys.

[Anonymous No.9519188]

The point of buying index funds is that you're intending to not touch them for about 20 years.
Yeah its a long time, but it never was meant to be a get rich quick scheme.
Roulette exists if you're not that kind of guy

[Anonymous No.9519211]

$1MM for personal use (house, car, RV, whatever other garbage I can think of to waste it on)
$1.5MM real estate
$2MM dividend stocks
$500k shorting crypto

[Anonymous No.9519224]

>>9519130

See

>>9518898 and >>9518988

>>9519166

Again, I wouldn't buy bonds or high dividend stocks in a rising rate environment. You're asking to get JUSTed

[Anonymous No.9519236]

>>9518697
If I had 5m it would still all be in btc

[Anonymous No.9519246]

>>9518697
4.8m on ETH, wait for POS
200k for rent, food, etc

[Anonymous No.9519252]

>>9518697
Fuck your money new rich faggot

25% eth the backbone of the coming smartcontract revolution
25% xlm the future backbone for all cross currency payments
25% xmr the future offshore account for the people who are richer than you
10% link the future data truth network that powers smartcontracts
5% qsp the verisign for all future smart contracts

[Anonymous No.9519261]

>>9518697
25% BTC
25% ETH
15% Link
15% RLC
10% OMG, ICX, LTC, EOS, ADA, XLM
10% Random shitcoins with moontential such as WYS, HOLO, NIM, ARK, REQ, QSP

80% Bluechips, 20% mix of potentials and potential moonshots.

[Anonymous No.9519271]

>>9519224
I understand why you wouldn't buy today.
Do you think that a good bond entry point will be available in a few years, now that interest rates are rising?

[Anonymous No.9519288]

>12 BTC
>5 M

take your lunch money elsewhere

[Anonymous No.9519317]

>>9518697
my portfolio if i had $5m dollars of crypto would look like $250k probably in ether for now. I would buy $250k gold as insurance and several income producing properties for around $2.5m in a company name that i controlled. I would move my official residence to a low tax jurisdiction and really live in asia or southern europe. I would additionally have a 3 non income producing condos in asia, south america and europe that i would move to temporarily when bored and dependent on season. Whats left i would put in a high interest account and accumulate. I would eat, fuck and travel the best but remain low key.

[Anonymous No.9519321]

>>9519224
What are you talking about
Did you even read my post you fucking moron?

I said

I N D E X F U N D S


IN NO PART OF MY POST DID I SAY "INVEST IN HIGH DIVIDEND STOCKS"
I SAID INDEX FUNDS
THEY PAY DIVIDENDS.

HOLD THEM FOR MORE THAN 20 YEARS

[Anonymous No.9519353]

With 5m you can be diversified into all sorts of shit.

1m for property
1m crypto
2m stocks
450k in gold bullion bars
50k in guns and ammo
200k in play money
300k into your lol business.

It'll basically be a fun experiment to see which investment wins out

[Anonymous No.9519385]

Property isnt an investment, Its government supported tulip mania. The only reason it never popped is cause government will do anything to stop it from collapsing. Property is hyper leveraged

[Anonymous No.9519399]

>>9519271

Eventually the Fed will push interest rates too far and the economy will head into a recession. It happens every time. You are already starting to see the cracks in the foundation as banks are having a harder time finding non interest bearing deposits and a harder time lending as there is a lot of competition.

Wait until the 2 year treasury yields more than the 10 year treasury. Sell everything then and rush to cash. A year from there, buy up bonds and stocks at a dirt cheap price. Then you can finally "make it" and not worry about anything. Don't believe the FUD in the news that will tell you "everything is over". It's not.

[Anonymous No.9519431]

>>9519112
Wait a second, you're dissing a guy with a suggestion to put 4M into index funds, but your own suggestion is to invest 90% of the 4M in stocks (3.6M) into VOO (Vanguard S&P 500 ETF)?

[Anonymous No.9519462]

>>9519431
<3

[Anonymous No.9519480]

25%btc
25%eth
30%cash for buying dips
15% other alts
5% ico gambling

[Anonymous No.9519490]

>>9519431

I'm dissing the retard who said the large cap indexes are yielding 3.5%. He or she obviously knows nothing about financial markets. It triggers me to know people like this are on /biz/ spewing nonsense; all the while acting like they know the best course of action.

[Anonymous No.9519524]

>>9519490
But that isn't so much off the predictions by the so called experts:
http://www.morningstar.com/articles/842900/experts-forecast-longterm-stock-and-bond-returns-2.html

Vanguard
Highlights: Nominal U.S. equity-market returns in the 3% to 5% range during the next decade; 5.5% to 7.5% returns for non-U.S. equities; 2% to 3% expected returns for global fixed-income markets (December 2017).

[Anonymous No.9519539]

Let's have the others, too:

John C. Bogle, founder of Vanguard Group
Highlights: 4% returns for stocks, 3% returns for bonds over the next decade (October 2017)

GMO
Highlights: -4.4% real (inflation-adjusted) returns for U.S. large caps over the next seven years; 2% real returns for emerging markets equities (October 2017).

Morningstar Investment Management
Highlights: 1.8% 10-year nominal returns for U.S. stocks; 2.5% 10-year nominal returns for U.S. bonds (Sept. 30, 2017).

Research Affiliates
Highlights: 0.3% real returns for U.S. large caps during the next 10 years; 0.8% real returns for the Barclays U.S. Aggregate Bond Index (Dec. 31, 2017).

Charles Schwab Investment Advisory
Highlights: 6.7% expected nominal return from U.S. large-cap stocks from 2017-2026; 3.1% nominal returns from U.S. investment-grade bonds (August 2017)

[Anonymous No.9519543]

>>9518697
I will make an ICO called opisafaggot.

[Anonymous No.9519562]

>>9519399
buying after the next crash is my intention. I can see why the normans don't buy after all the media FUD (I still remember 08).
but all the crypto fud has immunized me completely.
seeing coins drop 80%, hearing "it's over" for the x-th time... nothing can scare me now

[Anonymous No.9519568]

>>9519539
>>9519524

He's talking about total returns, not yield.

Jesus Christ is everyone on this board a fucking idiot?

The total return on the S&P 500 is 7% per year over the last 50 years.

[Anonymous No.9519569]

>>9518697
Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger Nigger

[Anonymous No.9519597]

>>9519568
Yes it is, and most experts are predicting a lot lower for the next decade.

[Anonymous No.9519708]

There's no reason to assume that the next 10 years would fall neatly on the average 7%.

[Anonymous No.9519860]

>>9519708

I disagree. It's not different this time. Technology will continue to improve and pump the markets.

[Anonymous No.9520150]

>>9519490
youre a moron, and you didnt even read what I said and I think it would be best for the whole planet if you fucking necked yourself you autistic cunt

[Anonymous No.9520204]

>>9520150

You literally said, verbatim "4 million in Stock indexes, collect 3.5% dividends every year, easy money."

Kill yourself.

[Anonymous No.9520292]

>>9520204
But the average dividend distribution rate over the past 60 years is 3.6%. What's the problem here?

[Anonymous No.9520356]

>>9520292

Your meme chart proves it. Interest rates will never be that high again. Low interest rates are the new normal. The Fed cannot keep increasing the fed funds rate or else there will be another recession, where the fed will lower interest rates again and dividend yields will fall again.

The ignorance in question is from arguing that yield is the same as total return, which it is not. Low interest rates are also the new normal. You defending the literal Grug is disappointing. In a place of free speech and freedom, you choose to continue to be the problem.

[Anonymous No.9520428]

Why is everyone on ETH and not LTC?

There seems to be a greater chance of percent yield increase and usability of LTC.

[Anonymous No.9520576]

>>9518697
.5 M in IOTA
.5 M in HYDRO
2 M in BTC
2 M in KIN

[Anonymous No.9520596]

>>9520428
I hope this is a troll post

[Anonymous No.9520629]

25% each:
BTC
ETH
REQ
FUN

[Anonymous No.9520660]

>>9520596
Unfortunately not...

>newfag

[Anonymous No.9520678]

>>9520428
Why does LTC exist?

[Anonymous No.9520685]

>>9520660
ltc brings nothing new to the table. it's a bitcoin clone and there's tons of them out there. it's just one of the first ones.
eth is a platform that intends to be actually used by applications and businesses in the real world, not just digital gold like btc

[Anonymous No.9520715]

>>9520204
yes and the current FTSE 100 yeild is 3.8% so fucking die you stupid little fucking wanker

[Anonymous No.9521123]

>>9518697
I'd buy 4200 BCH (Bitcoin Cash) for your 5 million USD

Reason: Lots of things actually happening on the fork, astonishing support from merchants and exchanges despite being only 6 months old and finally because all the people that actually made Bitcoin what it is today now supports Bitcoin Cash.

Meanwhile only thing BTC got going for it is that kept the legacy ticker.

[Anonymous No.9521125]

>>9519224
>>9518988
>>9518953
>>9518814
brainlet here
can someone explain in simple terms why buying dividend stocks in a rising rate environment = justed?

[Anonymous No.9521241]

>>9520678
For smaller transactions that using BTC would be too costly for, I suppose.

LTC is better for daily payments because it’s ease of processing.

[Anonymous No.9521283]

>>9521123
unironically this

[Anonymous No.9521336]

>>9521241
you just described why people use doge

[Anonymous No.9521348]

>>9519236
What are you implying by posting that pic?

[Anonymous No.9521389]

>>9519399
What's your time horizon for this recession?

[Anonymous No.9521409]

>>9518898
>The rest would be in 10% BND and 90% in VOO. I could mathematically prove to you that this is the best security allocation if you would like
Fuck off with your meme vanguard etfs
Mathematically prove lmao, please do.

[Anonymous No.9521442]

>>9518898
You can't mathematically prove that, what the fuck? It depends on your risk tolerance so there shouldn't be one correct answer.

[Anonymous No.9521450]

$1M in a fixed index annuity that is set up on a drip until my children reach a certain income threshold on their own just in case I die.

$3m in the top 3 performing stock indexes for technology and energy.

$1m remaining for investing in land / property. Would set my parents up in a nice ranch style home that they can live out their golden years in.

Perhaps go in on some section 8 housing developments with some of my wealthier friends in metropolitan areas that have fastest increase of mortgage default rates and subsidized low-income development plans offered by city govt.

[Anonymous No.9521460]

>>9521409
not to mention that your portfolio would have almost no exposure outside US, real smart yeah, maybe you can tell me it is on the efficient frontier.

Other than that I agree, 90/10 is pretty ideal allocation for a traditional early retirement portfolio. But no need to use the specific vanguard etf you mentioned

[Anonymous No.9521471]

>>9521442
And yeah, this

[Anonymous No.9521487]

>>9519252
>xlm the future backbone for all cross currency payments
seems like you misspelled omg there

[Anonymous No.9521488]

>>9518898
>120 ETH to fulfill the 1 in a million memes
isn't the eth supply uncapped? meaning that this might not actually be 1/1m

[Anonymous No.9521491]

>>9518697
I'd just pump and dump link 24/7 to fuck with all of the /biz/let faggots on here who think they'll actually learn something from biz.

[Anonymous No.9521509]

>>9519399
>Wait until the 2 year treasury yields more than the 10 year treasury.
Is this what is meant by the yield curve inverting as an indicator for crashes?

[Anonymous No.9521756]

Property like 3 m - consider renting couple of the houses u'll own to have a constant RoI

Invest 1 m in a franchise type of fast food - or coffee - COFFEE WILL ALWAYS WORK :)

1 M IN CRYPTO BABY

1BN8jnUb1xdGqs7EBEUfr83w4xuxsPhb9F

[Anonymous No.9521804]

>>9521756
Margins on food and coffee places are fucking awful. Most fail with the foundersworking 80 hour weeks.
Property is where all money goes when it's rent seeking - seems like a bubble but assets are probably ok.
People are scared of crypto and people are scared of shitcoins. Go hard shitcoin + crypto. Host nodes, support the infrastructure.
Contribute to community chains to increase evaluations after you buy hard. Then dump to recoup costs + profit + keep some.
Cost average in and don't worry too much about timing the market. We are all early.

[reluctant kneepad girl No.9521854]

30% Roth
5% XRP
5%GOPRO
5% SPXU
10% EUR/USD long
20%FUN
5%ETH
5%XAG
10% BTC
5% HMNY
The rest: investing in Vore/Guro art.

[Anonymous No.9521859]

someone with actual, working advise wouldn't spend their time giving it to you for the off-chance you pay them a measly $20

[Anonymous No.9522345]

>>9518697

I've been on /biz/ for about 4 years, I've also been following blockchain for about 8 years. My portfolio is unfortunately not very large, but bigger than most. This is the breakdown, I am willing to explain every position if you want.

First and foremost I'd recommend creating a company in the US to tax yourself as a business then pay yourself a yearly salary thus putting yourself in a lower bracket.

1MM in traditional markets/real estate/gold, etc.

BIG MARKET CAP ~3MM~
1.4MM in ETH
900K in BTC
400K in EOS
400K in BCH
200K in XMR
100K in ADA
100K in XLM

SMALL CAP ~900K~
300K MKR
180K BNB
180K SKY
50K ZRX
50K KNC
40K DGB

I can justify and explain all of these coins. I have researched probably all of the top 300 in detail.

Some of these are investments based on future tech and adoption, some are simply asking myself 'will this be worth more than it currently is one day', for example EOS, int he next 3 years EOS *will* at some point be worth more than 13 USD.

If you want to gamble on ultra high risk high reward coins like LINK, I am not opposed. I am simply presenting you with a well rounded portfolio that will rise with the total market cap of crypto, think of it this way, take the top 100, I project they will increase on average by 8x by the next halvening. But by eliminating a lot of 'dead weight' you can elevate that average to 15x. So with high net worth a process of elimination is smarter. Cardano may be academic vapourware, but it will be above 30 cents at some point again during a pump etc.

Likewise I'd hold some BCH because regardless of your ideological positions, it has a rabid fanbase and will pump simply because whales like fucking with the market. (Or it will go up because its better, this is irrelevant).

Monero is a no brainer, it's one of the best coins out there technologically, the only FUD is it being banned, which is untrue. Digibyte is my 'wildcard' pick, might 10x but this is purely a hunch.

[Anonymous No.9522393]

>>9522345

Finally my BTC address is 17hrUQXLSxXwy9nq4r1zzKa9n2iNoXcLBA

Also one last tip, the next big thing to look for on blockchain is high end data analytics like Palantir but secured by blockchain for voluntary end user data control. Essentially smaller companies (so billion dollar ones, but low billions) that data harvest will eventually want to use a third party decentralised blockchain company that will perform data analytics in a way that can be audited to increase transparency, for PR purposes, and because EU is gonna crack down really hard on any and all data breaches after Cambridge Analytica scandal. This will be post normie acceptance, so 2021ish, but look for new coins promising this as they will be subject to pumps.