How I’m Investing in 2025 A Balanced Portfolio Breakdown
If you’re wondering how to approach investing in 2025, you’re in the right place. I’m breaking down my personal investment plan , explaining why I allocate my money the way I do across different asset classes. This isn’t just theory — it’s a real, actionable strategy built on nearly two decades of experience in finance and investing.
Whether you’re a newbie looking for guidance or someone who’s been around the block and wants to fine-tune your portfolio, I’ll cover everything from stocks to Bitcoin, real estate to collectibles, and why diversification matters for your peace of mind and long-term gains.
Imagine your net worth as a pie. Each slice represents an asset class—stocks, real estate, cash, Bitcoin, and precious metals or collectibles. Each slice has a size, or percentage, representing how much of your total money is invested there. This model helps you see if you’re too heavy in one area or not invested enough in another. It also makes it easier to rebalance when markets shift.
I’m a big fan of dollar-cost averaging. Instead of trying to time the market (which nobody can do perfectly), I invest a fixed amount regularly, regardless of market ups and downs. This smooths out the purchase price over time and reduces stress.
My stock investments follow a barbell strategy:
Real estate has historically been a great inflation hedge and wealth builder. It’s tangible, can generate passive income, and appreciates over time. I allocate about a third of my net worth to this sector.
Carrying a mortgage can be a hedge against inflation, as inflation effectively reduces the loan’s real cost over time. However, paying off my house gave me flexibility to take on more risk in other parts of my portfolio without debt pressure.
I keep 15% of my net worth in cash or equivalents for liquidity and stability. Here’s how I manage it:
Cash is your safety net. It allows you to rebalance your portfolio without selling assets in a downturn and gives you the ability to pounce on opportunities.
Bitcoin has been part of my portfolio for years, targeting 15% of my net worth. Right now, I’m actually overweight at 22%, including MicroStrategy and other Bitcoin-related equities.
Bitcoin is volatile but offers huge asymmetric upside. It’s a small but meaningful slice of my pie.
Gold and other precious metals are classic hedges against inflation and currency debasement. Governments printing money have pushed gold to all-time highs, supporting its role in portfolios.
Beyond metals, collectibles like trading cards (LeBron James rookie cards, Kobe Bryant, etc.), cars, and watches can appreciate over time. For instance, rare internal combustion engine sports cars (think 911 Porsche stick-shift models) will likely increase in value as EVs and self-driving cars take over.
Collectibles are more speculative and less liquid but can be rewarding hobbies and investments if chosen wisely.
Diversification isn’t just about returns — it’s about peace of mind. After witnessing the 2008 crisis’s devastating effects on people who bet everything on one asset, I realized the value of spreading risk.
If you run a successful business or have a unique skill, concentrating wealth there might make sense. But most of us earn salaries and want stable, manageable investments that don’t keep us up at night.
I live a barbell life: my wife has a stable W2 job providing insurance and steady income, while I run entrepreneurial ventures with more volatile returns. My portfolio mirrors this — a mix of conservative cash and stocks with risky Bitcoin and options.
This 2025 investment strategy blends tradition with innovation, safety with risk, and logic with intuition. Whether you’re stacking gold coins or buying Bitcoin daily, the goal is the same: build wealth steadily, sleep well at night, and enjoy the journey.
Thanks for reading, and here’s to a prosperous 2025!
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