OT: Crypto, Stocks, Bonds, Real Estate, Investments, IRAs & Finances, etc.

[Phish Tank]

I like VOO... and VXF... and VXUS... even some BND forever. Just wanted to interject with diversification and long-term investing in mind.

can never go wrong with VOO. That was one of my earliest holdings back when I started diversifying my personal investment portfolio with investments. Nearly doubled my investment in about 4 years (granted I didn't pour tons of money into it, but still...)

The ARK ETFs are pretty good too (ask Cap'N for more advice). I have one of them (ARKK), but you can easily diversify with the other ARKs.

Some of my other personal favorites have been IEFA, IJH, PBW, and - surprisingly enough - RTH.

[N Y K]

I like VOO... and VXF... and VXUS... even some BND forever. Just wanted to interject with diversification and long-term investing in mind.

can never go wrong with VOO. That was one of my earliest holdings back when I started diversifying my personal investment portfolio with investments. Nearly doubled my investment in about 4 years (granted I didn't pour tons of money into it, but still...)

The ARK ETFs are pretty good too (ask Cap'N for more advice). I have one of them (ARKK), but you can easily diversify with the other ARKs.

Some of my other personal favorites have been IEFA, IJH, PBW, and - surprisingly enough - RTH.

I had not heard of ARK ETFs. Very interesting. I have our family portfolio split across Vanguard funds/ETFs and equivalent Fidelity funds that track like this:

30% SP500
20% Extended US
20% Total International
20% US Bonds (might move into short term treasuries soon though)
10% for ETF sector tilts/stock/crypto/whatever speculation

ARK ETFs looking really interesting for some of that 10% though (gimme some of that ARKQ!!). Thanks for putting me on to this.

EDIT: Why they coming for my boring ass portfolio though?!?

Read on Twitter

[Phish Tank]

I like VOO... and VXF... and VXUS... even some BND forever. Just wanted to interject with diversification and long-term investing in mind.

can never go wrong with VOO. That was one of my earliest holdings back when I started diversifying my personal investment portfolio with investments. Nearly doubled my investment in about 4 years (granted I didn't pour tons of money into it, but still...)

The ARK ETFs are pretty good too (ask Cap'N for more advice). I have one of them (ARKK), but you can easily diversify with the other ARKs.

Some of my other personal favorites have been IEFA, IJH, PBW, and - surprisingly enough - RTH.

I had not heard of ARK ETFs. Very interesting. I have our family portfolio split across Vanguard funds/ETFs and equivalent Fidelity funds that track like this:

30% SP500
20% Extended US
20% Total International
20% US Bonds (might move into short term treasuries soon though)
10% for ETF sector tilts/stock/crypto/whatever speculation

ARK ETFs looking really interesting for some of that 10% though (gimme some of that ARKQ!!). Thanks for putting me on to this.

EDIT: Why they coming for my boring ass portfolio though?!?

Read on Twitter

That's a pretty good split. Truth be told, I probably don't know the exact split within my entire portfolio. My current 401k is allocated a certain way, but I have a bulk of my portfolio managed by my dad's financial advisor. He recommended the 401k allocation. He mostly manages the 401k rollover from my previous job + a surprise nest egg my dad had setup for me back in the aughts. I do have some cash on layaway that I'm only gonna splurge on a down payment, so I ain't doing too much with that.

My play money is split between ETFs and Stocks, but it's not a large amount. My stock portfolio got some goodies (Apple, Starbucks, BioNTech). Within my ETFs, I'm at about 70% Stock, 22% international. Less than 10% in bonds/fixed income, but that's gonna differ mostly based on family situation.

Prolly will put more money into ETFs and maybe diversify a bit? We'll see.

[Stannis]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

[Garbagelo]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

I stopped trading stocks because ARK is an actively traded fund and have no time to touch this stuff because I am doing cryptos

Let Cathie do all the work

ARKK
ARKF
ARKG
ARKQ
ARKW

and

IPO of course

and a VXX backspread in case chit hits the fan and dump at bottoms

rest in cash to buy the dip

Pretty much the only positions I hold

[Capn'O]

I like VOO... and VXF... and VXUS... even some BND forever. Just wanted to interject with diversification and long-term investing in mind.

can never go wrong with VOO. That was one of my earliest holdings back when I started diversifying my personal investment portfolio with investments. Nearly doubled my investment in about 4 years (granted I didn't pour tons of money into it, but still...)

The ARK ETFs are pretty good too (ask Cap'N for more advice). I have one of them (ARKK), but you can easily diversify with the other ARKs.

Some of my other personal favorites have been IEFA, IJH, PBW, and - surprisingly enough - RTH.

I had not heard of ARK ETFs. Very interesting. I have our family portfolio split across Vanguard funds/ETFs and equivalent Fidelity funds that track like this:

30% SP500
20% Extended US
20% Total International
20% US Bonds (might move into short term treasuries soon though)
10% for ETF sector tilts/stock/crypto/whatever speculation

ARK ETFs looking really interesting for some of that 10% though (gimme some of that ARKQ!!). Thanks for putting me on to this.

EDIT: Why they coming for my boring ass portfolio though?!?

Read on Twitter

I don't have a wealth of info here but I do have a holding in the ARKG fund. I was considering the automation one but am honestly a little concerned about getting in on either side of the TSLA trade right now. Like the company but the valuation spooks me, especially with other technologies nipping at the heels of markets they're trying to get into. Choosing genetics for me was simple - there are a ton of booming companies in that industry, it's where the medical field is headed, and I don't really have the time or smarts to learn enough about the sector to make intelligent investing decisions myself

I did get in on one leg of the BNGO run in January though. That was fun!

ARK has it right. They're in on the sectors that are positioning themselves to dominate the growth portion of the market. Even if there's a bubble burst, over the long haul the wheat will separate from the chaff in their industries. Remember the dot-com burst? Microsoft lost half its value in that crash. Who wouldn't like to still be holding, even from the 2000 peak, today? ARK is finding those companies. The other big growth sector that they don't cover is clean energy. That's the sector I know best and of my actively managed investments I have my individual stock holdings there. ICLN, SMOG, and CNRG are great ETFs in that space.

[knickabocker88]

I feel like rating our portfolios is better than talking about the Knicks trading for Derrick Rose. Here's mine, I use M1

Appl - 24%
Dis - 19%
QQQJ - 17%
QQQ - 15%
ARKF - 15%
VIG - 10%

I believe Disney is gonna dominate the streaming market (Marvel & Starwars) & they have espn for live sports. I have ARKF for fintech exposure. QQQ and VIG are my "safe" plays.

Apple has cash to burn and their positioned to do well even if they flop in the Electric Car market. QQQJ is for midcap exposure & you figure a few of their holdings will graduate into QQQ over the next 10 years.

I just started in January but putting in 75% of my paycheck every 2 weeks.

[HighRyzer83]

Yeah ark is where it's at right now. I'm just waiting for the next dip to jump on. Hey for you crypto guys, what's your view on ripple, cardano, and tron? Are they going anywhere?

[poeman]

I like VOO... and VXF... and VXUS... even some BND forever. Just wanted to interject with diversification and long-term investing in mind.

Yeah after the speculating on GME I am focused on research and innovation led ETFs under Cathie Wood. I got burned by keeping GME and took losses, it has made me want to learn more and dipping into ARK is my first step for longer term aggressive growth building

[poeman]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

Same here as me with my 401k

I added ARKF, ARKK, ARKG for my personal investing outside of 401k. The fact its actively managed daily is so great and they are helping me learn to. I may sprinkle in some specific stocks too.

Also **** Robin Hood, they are so shady I suggest everyone move money out from there

[Phish Tank]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

Yeah I was debating the next ARK. I like both ARKF and ARKG. Like you I have ARKK too. ARK represents 15% of my ETF portfolio (though that's not too large). I'm figuring out which one complements me best at this point.

Currently my 401k is 20% International. Think it's a good play.

[Phish Tank]

The other big growth sector that they don't cover is clean energy. That's the sector I know best and of my actively managed investments I have my individual stock holdings there. ICLN, SMOG, and CNRG are great ETFs in that space.

I have to look at those 3 ETFs. I invested into PBW to start the new year. It's jumped about 26% YTD. ICLN's at a cheap price point, but have to look at the big holdings and compare them to PBW

[N Y K]

I like VOO... and VXF... and VXUS... even some BND forever. Just wanted to interject with diversification and long-term investing in mind.

Yeah after the speculating on GME I am focused on research and innovation led ETFs under Cathie Wood. I got burned by keeping GME and took losses, it has made me want to learn more and dipping into ARK is my first step for longer term aggressive growth building

Yeah long term growth is important and do like what Cathie Wood seems to be doing. I will say that she does run with a pretty high expense ratio (actively managed fund, so that makes sense) and is poor from a tax efficiency perspective because of high turnover (so account type placement is probably important).

I personally would suggest a backbone to your investing with some of the passively invested, tax efficient, consistent market funds/ETFs like VOO, VTI, etc. And then layer in exposure to some of the higher growth stuff.

I lost a ton of money buying individual stocks (hello, drug trials!), then found modern portfolio theory, and it changed everything. As a result, I'm finally building a nice size portfolio. I never sell, only buy more, and then speculate with only what I'm willing to lose (which is 10% of the entire portfolio).

Said all of the above not knowing anything about your situation, so ignore if it's useless. Just putting it out there cause it helped me.

[N Y K]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

Nice.

Curious, do you think of your 401k (and other retirement accounts) separately from your taxable accounts? Or do you think of it as one big portfolio?

[N Y K]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

Same here as me with my 401k

I added ARKF, ARKK, ARKG for my personal investing outside of 401k. The fact its actively managed daily is so great and they are helping me learn to. I may sprinkle in some specific stocks too.

Also **** Robin Hood, they are so shady I suggest everyone move money out from there

I started a Robinhood account for my son when he was born 1.5 years ago. Moved it to Fidelity quick!

[Stannis]

I like ARKG if you believe in genomics

SMH semiconductor ETF
QQQ
VGT
ARKK

I might add ARKF

My 401k is basically SP500 index and a small/mid cap index fund. I was thinking off adding 20% in international

Nice.

Curious, do you think of your 401k (and other retirement accounts) separately from your taxable accounts? Or do you think of it as one big portfolio?

My 401k, I kinda keep it separate I guess because I hardly look at it. My fund choices are limited. So there's no point in trying to actively manage it or watch it every week. It's not that big. I contribute about 10% of my check to it (5% traditional and 5% Roth)

I have my own Roth IRA which I manage. Also, my HSA which I manage. That's where I have my ARKK, QQQ, and VGT. I might just do full ARKK. Cathy really has a good eye.

[Stannis]

ARKK
ARKF
ARKG
ARKQ
ARKW

and

IPO of course

and a VXX backspread in case chit hits the fan and dump at bottoms

rest in cash to buy the dip

Pretty much the only positions I hold

You are comfortable being in all ARK? You don't think it's too overvalued?

I was thinking about doing the same, but not sure how comfortable I am paying taxes to liquidate my current holdings to buy ARKs at these valuations. But I am buying more ARK with cash.

And by IPO, I'm guessing you mean the Chamath SPACs?

EDIT: I can't remember 100%, but there was a scare not too long ago about Cathie not having full control over ARK. I'm afraid something like that might actually happen in the future. I think everyone is buying ARK mostly because Cathie is at the helm.

I gotta research who's in line. She isn't old (65), but who knows. She could retire. Or lose control eventually.

[N Y K]

One last boring post, but wanted to share this from Mr. Money Mustache. It's basically an order (as a US investor and tax payer) that you should think about when allocating your funds. It looks to optimize for tax efficiency and general wealth accumulation.

I started using this and it's definitely been making a difference:

WHAT
0. Establish an emergency fund to your satisfaction
1. Contribute to your 401k up to any company match
2. Pay off any debts with interest rates ~5% or more above the current 10-year Treasury note yield.
3. Max Health Savings Account (HSA) if eligible.
4. Max Traditional IRA or Roth (or backdoor Roth) based on income level
5. Max 401k (if
- 401k fees are lower than available in an IRA, or
- you need the 401k deduction to be eligible for (and desire) a tIRA deduction, or
- you earn too much for an IRA deduction and prefer traditional to Roth, then
swap #4 and #5)
6. Fund a mega backdoor Roth if applicable.
7. Pay off any debts with interest rates ~3% or more above the current 10-year Treasury note yield.
8. Invest in a taxable account and/or fund a 529 with any extra.

https://forum.mrmoneymustache.com/investor-alley/investment-order/msg1333153/#msg1333153

[Stannis]

Yeah I was debating the next ARK. I like both ARKF and ARKG. Like you I have ARKK too. ARK represents 15% of my ETF portfolio (though that's not too large). I'm figuring out which one complements me best at this point.

Currently my 401k is 20% International. Think it's a good play.

I like both ARKF and ARKG. I'll probably do both. ARKF hasn't taken off like the other ARK ETFs. I know it doesn't mean it will. But it's being overshadowed by other sectors atm.

ARKK, ARKQ, and ARKW seem to have a lot of overlap, so I just stick with ARKK. I might add Q and W down the line.

EDIT:

I was never in international, but it's pretty much the only value fund I have as an option. And I don't see a point in bonds right now (I'm 30 years old).

[Stannis]

ARK has it right. They're in on the sectors that are positioning themselves to dominate the growth portion of the market. Even if there's a bubble burst, over the long haul the wheat will separate from the chaff in their industries. Remember the dot-com burst? Microsoft lost half its value in that crash. Who wouldn't like to still be holding, even from the 2000 peak, today? ARK is finding those companies. The other big growth sector that they don't cover is clean energy. That's the sector I know best and of my actively managed investments I have my individual stock holdings there. ICLN, SMOG, and CNRG are great ETFs in that space.

I wish ARK got into the clean energy space. I'm not a fan of the current ETFs at the moment.

I'm in BEPC, Enphase, First Solar, and Vestas. I have some HASI which I plan to liquidate once I'm at the long-term mark.

There's gonna be ARKX (Ark's Space ETF) soon. The holdings were already released for the Japanese version. Oddly, Virgin Galactic wasn't a top holding.