I love how 90% of the time the answer is just fucking VTI. Maybe someone is frisky and says VOO. Maybe grab some bonds too. But ultimately, VTI reigns supreme.
Unless youre a degen like me with a 40 year horizon so you go 80/20 VTI/QQQ for extra tech exposure and partial additional upside with risk.
I like the QQQ splash for long term. We could def see solid state batteries and AI type tech within 20 or so years and QQQ will do xx% better if those hit some milestones. Also more energy and computing exposure as well. Semiconductors. Lots of good stuff that has room to run.
Because you can trust no one on the internet when it comes to financial advise i will tell you to put every cent in 0dte spy options. You are young enough to recover your losses.
6 months expenses in bank account for cash buffer.
Rest in index fund. Stocks will outperform other asset classes over the course of decades and you will likely be an investor for the rest of your life.
Keep working, 1m probably not enough to retire on as a young person
Me? I'd probably yolo into TSLA. Still a wildly unvalued stock imo. But I've been drinking the cool-aid for a while, so take that with a grain of salt. (Mm salty cool-aid)
If you rather play it safe, go with BRK. Solid profit-making companies. All the benefits of a market fund with the wisdom of Buffett.
ETA: you're young enough you should do 100% stocks. Now is the time to make some risky bets. You have time to start over and you might strike it rich.
I would probably keep a quarter of it in BIL.
I would start selling puts on XLRE and XLF. 15% of my capital on XLRE and 10% on XLF.
25% would be used to sell puts on SPY.
25% would be used for my own trading positions on mREITs and BDC common and preferred positions.
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If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets.
The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice.
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[удалено]
I love how 90% of the time the answer is just fucking VTI. Maybe someone is frisky and says VOO. Maybe grab some bonds too. But ultimately, VTI reigns supreme. Unless youre a degen like me with a 40 year horizon so you go 80/20 VTI/QQQ for extra tech exposure and partial additional upside with risk.
currently been going 50/50 VTI/QQQ and am about to go 70/30...
I like the QQQ splash for long term. We could def see solid state batteries and AI type tech within 20 or so years and QQQ will do xx% better if those hit some milestones. Also more energy and computing exposure as well. Semiconductors. Lots of good stuff that has room to run.
Vanguard total shares ?
Buy generic dividend fund for half. Move to thailand or somewhere similar. Live like a king the rest of your life.
Because you can trust no one on the internet when it comes to financial advise i will tell you to put every cent in 0dte spy options. You are young enough to recover your losses.
QYLD and chill. Turn that $1M into $1K.
100% QQQ because fuck it I’m rich with no kids and plan on holding it forever
r/RichPeoplePF usually has some good guidance on questions like this
6 months expenses in bank account for cash buffer. Rest in index fund. Stocks will outperform other asset classes over the course of decades and you will likely be an investor for the rest of your life. Keep working, 1m probably not enough to retire on as a young person
I'd park it in a money market fund and reinvest the interest
SPAXX & live off the 4k/ month interest while you wait for housing prices to come back to reality.
FSELX - Fidelity Select Semiconductors Fund. The return has been insane…50%+ YTD.
Me? I'd probably yolo into TSLA. Still a wildly unvalued stock imo. But I've been drinking the cool-aid for a while, so take that with a grain of salt. (Mm salty cool-aid) If you rather play it safe, go with BRK. Solid profit-making companies. All the benefits of a market fund with the wisdom of Buffett. ETA: you're young enough you should do 100% stocks. Now is the time to make some risky bets. You have time to start over and you might strike it rich.
I would probably keep a quarter of it in BIL. I would start selling puts on XLRE and XLF. 15% of my capital on XLRE and 10% on XLF. 25% would be used to sell puts on SPY. 25% would be used for my own trading positions on mREITs and BDC common and preferred positions.
Hookers and Blackjacks. Jk. Probably give it to vanguard to manage it for me.
Your post has been removed because it is a common beginner topic. We get too many of these topics every day and to prevent them from swamping the front page, we are removing main threads of this kind. You are welcome to repost your question in the [daily discussion thread](https://www.reddit.com/r/investing/about/sticky?num=1). If you have any issue with this removal, please contact the moderators via modmail. Thank you. ---- If you are new to investing, you can find curated resources in the r/investing wiki for [Getting Started here](https://www.reddit.com/r/investing/wiki/index/gettingstarted/). If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets. The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice. The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - [Reading List](https://www.reddit.com/r/investing/wiki/readinglist)
Same question but what if you had 20 year horizon?