No Gatekeeping: How I #invest my #money #finance #wealth #tyler

No gatekeeping. Here is exactly how I

invest my own money. Tyler, I'm a former

financial adviser and portfolio manager.

Now I make financial content for free,

so you don't have to pay for it. Number

one, 70% to FX, Fidelity's S&P 500 index

with a 0.15% expense ratio. This is my

core holding. 500 of the biggest US

companies. Because it's market cap

weighted means if companies do well, I

automatically own more of them. And if

they do worse, I automatically own less

or don't own them at all because they

get kicked out of the index. By design,

this can't go to zero and beats 99% of

active managers. Number two, 10% in

VIGAX. This is a Vanguard growth fund.

Techheavy, more volatile, higher upside.

I bought this 20 years ago and it's up

massively. So, if I sold, I'd own a

small fortune in capital gains tax. So,

I let it ride because tax efficiency

beats perfection and I don't need the

money today. Would I buy more today? No,

as FX AIX covers most of those companies

anyway. Number three, 10% in VXUS,

Vanguard's international stock fund. And

with 40% of the world's market cap

outside of the US, I want exposure to

that. And guess what? I don't know which

country is going to win next year. It

doesn't matter because I own it all.

Number four, 10% to Spax. That's

Fidelity's money market fund. Returns,

short-term interest rates, highly

liquid, and I use this when I need to

pay quarterly taxes or buy a new vest

because it sure beats having your money

sit in a checking account doing

absolutely nothing. four funds, lowcost,

tax efficient, and rebalancing takes

about 15 seconds a year. If any of this

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works.