Let's say you're 35 years old and single, how would you invest 100k a year for the next 30 years? What would be your primary financial goals short and long term?

$40k VFIAX
$40k VTSAX
$15k AMZN
$5k speculative

$60k VTSAX
$20k VFIAX
$10k VGT
$10k VGSLX

H&B

$100k to my financial advisor.

see below

50% index funds
40% individual stocks across multiple sectors
10% options

Bitcoin

Rental properties and stocks.

And with that much to invest, I would risk some on new business startups of my own.

Follow OA, pick 10 of his stocks annually, and invest 10K in each. Get net free. Rinse, repeat.

Doubled my trading account since March. Should be much more but I was just starting out.

You know what I would do? I would invest half of it in low risk mutual funds and then take the other half over to my friend Asadulah who works in securities.

60% in etfs (80/20 split), 30% in real estate and 10% in cash

For 2021:

• 20% bitcoin and ethereum
• 20% QQQ
• 20% SPY
• 20% stable value (depending on your age)
• 20% real estate and others

ORAggieFan said:

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$100k to my financial advisor.

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Most of these people don't know jack squat and they're only interested in fees for their firms. The good ones are worth their weight in gold, but they are few and far between. The really good ones require $2.5M accounts or higher.

The playbook is so predictable - 50-70% in index funds likely housed by their firm, 20-30% in enhanced money funds, 10%-20% in individual equities. I would tell most people to spare themselves the frustration and just buy as many SPY and QQQ shares as they can afford.

Edit - and then sell the **** out of 2% OTM covered calls on those shares.

Find operators of private equity that you trust if you truly have that much to invest on a yearly basis. This opens a lot of doors outside of the public market.

I agree with the above Vangaurd fund recommendations.

I would look into getting in with some private equity investors. Many have minimum investments of 250-500k.

I would also be tempted to buy a vacation rental property in somewhere like Telluride or Rosemary Beach. Something that would hold value and be able to be managed by a rental company while you could also enjoy.

You could also invest in a spouse and family, but those returns aren't financial.

historyrepeats said:

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see below

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User name checks out

If you have 30 years of $100k to invest, I would be tempted to diversify less than someone with lesser disposable. That said if you plan to use this for retirement instead of generational wealth creation, investing even a 6% annual return gets you plenty of money to retire on.

Some good advice in this thread. I'd also set aside a portion for training on how to have better football takes on the premium board.

$30,000 Millionaire said:

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ORAggieFan said:

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$100k to my financial advisor.

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Most of these people don't know jack squat and they're only interested in fees for their firms. The good ones are worth their weight in gold, but they are few and far between. The really good ones require $2.5M accounts or higher.

The playbook is so predictable - 50-70% in index funds likely housed by their firm, 20-30% in enhanced money funds, 10%-20% in individual equities. I would tell most people to spare themselves the frustration and just buy as many SPY and QQQ shares as they can afford.

Edit - and then sell the **** out of 2% OTM covered calls on those shares.

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I agree with you on most. That's why I wouldn't use them and would use mine.

$30,000 Millionaire said:

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For 2021:

• 20% bitcoin and ethereum
• 20% QQQ
• 20% SPY
• 20% stable value (depending on your age)
• 20% real estate and others

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www.bitcoindollarcostaverage.com

why not invest in something that provides you back annual depreciation to reduce your annual tax burden?

really no reason to have cash/stable value when you have $100k each year extra

$30,000 Millionaire said:

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I would tell most people to spare themselves the frustration and just buy as many SPY and QQQ shares as they can afford.

Edit - and then sell the **** out of 2% OTM covered calls on those shares.

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Walk me through this a bit. Are you talking weekly CCs? So late each week or each Monday open, buy CCs for the following Friday at a strike 2% above the current price? Reinvest the premiums in more shares each week? Would you sell for all shares or just a portion?

Bob Knights Liver said:

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$30,000 Millionaire said:

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I would tell most people to spare themselves the frustration and just buy as many SPY and QQQ shares as they can afford.

Edit - and then sell the **** out of 2% OTM covered calls on those shares.

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Walk me through this a bit. Are you talking weekly CCs? So late each week or each Monday open, buy CCs for the following Friday at a strike 2% above the current price? Reinvest the premiums in more shares each week? Would you sell for all shares or just a portion?

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this is grinding, but you can beat the piss out of the market following this strategy. yes, on weeklies and yes on the premium. If you get called out, either sell puts or just buy back in and do it again.

Try it on 100 shares first to see if you like it. You can reasonably expect 1% a week in premium.

No one else curious about the origination of the 100k/yr for the next 30 years?

Ag92NGranbury said:

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No one else curious about the origination of the 100k/yr for the next 30 years?

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This is TexAgs B&I... who DOESN'T have an extra $100k annually?

Ag92NGranbury said:

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No one else curious about the origination of the 100k/yr for the next 30 years?

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I assumed this was an annuity from a settlement, a projected excess income, or the sum of what he charges for protection money from local businesses.

Bob Knights Liver said:

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Ag92NGranbury said:

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No one else curious about the origination of the 100k/yr for the next 30 years?

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I assumed this was an annuity from a settlement, a projected excess income, or the sum of what he charges for protection money from local businesses.

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Or someone forgot to check the box for "lump sum" on their winning lottery ticket.

not really, to be honest. They either make a lot or carefully control their spending (or both).

sell 21 puts of NIO at $47 for 12/31 -- pocket ~4k

$30,000 Millionaire said:

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Bob Knights Liver said:

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$30,000 Millionaire said:

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I would tell most people to spare themselves the frustration and just buy as many SPY and QQQ shares as they can afford.

Edit - and then sell the **** out of 2% OTM covered calls on those shares.

---

Walk me through this a bit. Are you talking weekly CCs? So late each week or each Monday open, buy CCs for the following Friday at a strike 2% above the current price? Reinvest the premiums in more shares each week? Would you sell for all shares or just a portion?

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this is grinding, but you can beat the piss out of the market following this strategy. yes, on weeklies and yes on the premium. If you get called out, either sell puts or just buy back in and do it again.

Try it on 100 shares first to see if you like it. You can reasonably expect 1% a week in premium.

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This is my next spreadsheet project. I think I have daily or weekly SPY/SPX going back at least 20 years. I'll have to come up with something to model premiums during upswings and downswings, but it will be fun to look at. Even if you leave some on the table by missing really big weeks, and premiums will be low during bear times, it sounds like a great play for a tax protected account.

I'd love to see your spreadsheet if you can share.

GE said:

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Some good advice in this thread. I'd also set aside a portion for training on how to have better football takes on the premium board.

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Lol. Quality post.

$30,000 Millionaire said:

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not really, to be honest. They either make a lot or carefully control their spending (or both).

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He could make 3-500k and he is raising a younger family with a responsible wife. Just my guess.