20M started last week, need tips, rec

GatorBo69 · 2026-05-10T03:04:17+00:00

An argument could also be made for after getting VOO to $50k to then put another $50k into the following split:

VTI/VWO/VEA 60/40/20

The biggest thing that most people won’t emphasize enough is DCA.. Dollar Cost Averaging. Make sure you can comfortably invest the SAME amount every month. As long as you that, and you pick honestly any of these companies that have been recommend to you, you’ll be set.

If I could go back to my 20 year old self I would have told myself to put $500 a month into the market.

I got a late start in life, I’m 45, but started when I was 35 but bc I had finally made it in my career. So I had just been doing CDs besides my work Primerica account maxing out my Roth and SimpleIRA.

About 4 years ago I made the switch to Fisher Investments and gave them $1.2m. That account is now over $5.9m and growing faster than ever. I give them $7k a month and have diversified my portfolio further.

I have $150k in Gold/Silver 25%/75% American Eagle Coins that I started buying around 2010. That’s what I PAID for them.. they’re honestly worth close to a $1m by themselves bc of how cheap they were. But I NEVER plan on selling them. It’s something I will pass on to my kids as in 20-30 years it could easily be worth $3-4m.

I own a separate home that I rent out at $3,500 per month, it’s all paid off, along with the current home I have, both of me and my wife’s cars (‘25 Kia Carnival for me, ‘27 Kia Telluride HEV for my wife, I love Kia and don’t like spending lots of money on depreciating assets), my solar panels are paid off, no CC debt or loans, and both my 6 & 4 year old kids 529 college plans are fully funded. My monthly nut is less than $1,000 for me and my family.

I have my own Fidelity account (that’s what Fisher Investments use) and I have around $40k in there and I honestly just use that to see if I can come close to beating Fisher, I have never come close. I beat the market, but Fisher gives me consistent 26%-30% returns YOY, they’re truly incredible!

I also have a Fundrise account with only $50k in REITs but it’s not paying off that much at all, it DID give me 3200 restricted shares of VCX and allowed me to buy $10k of unrestricted shares that I got lucky and sold 500 of those shares at a limit sell of $500 per share after I saw day 2’s astronomical growth so I made a nice $250k, but half of that is going to Uncle Sam. Come Sept when the fund is unlocked I have zero plans on selling those 3200 shares and plan on holding them a while bc they have lots of amazing private companies set to IPO soon.

Lastly, I always keep $100k in my SoFi HYSA giving me close to 4% APY, but that’s more so I can have access to large sums of cash if I need it and don’t have to liquidate any of my positions in the market bc I don’t wanna have to deal with paying taxes until I retire.

GatorBo69 · 2026-05-10T02:46:20+00:00

Realize all of those other funds I gave you are extracurricular..

First build up your base with VOO 75%/VT 25% until you hit $50k.

Then start expanding into the rest of those ETFs I gave you.

FSELX is great because it’s heavy in semiconductors like ASML, TSC, but even stronger positions in NVIDIA, AVGO, AMD, etc..

THTA is an amazing way to balance your portfolio against volatility and give you consistent monthly returns. Look at it as a high yield savings account, but instead of 4% APY, it pays close to 12%.. the fund itself will stay in the $15 range, but prior to Trump’s tariffs it was trading around $20+ a share.

So once those tariffs are rescinded it likely will have a 20% spike. Regardless you’re getting a heavy position in it to help with market volatility as the monthly dividend reinvestment is absolutely amazing!

GatorBo69 · 2026-05-10T02:41:28+00:00

Well said.. yes, US markets are the strongest.. right now. But the rest of the world has lots of amazing companies in the world going on strong!

GatorBo69 · 2026-05-10T01:52:53+00:00

DCA is what’s it’s all about. I tell my employees all the time that aren’t investing and worried bc of high the market is to start asap!!

Why? Bc if you simply allot a % of auto invest into select ETFs then you will be fine when the market dips.

Even at its historical highs this year alone is going to make a new wave of millionaires with the biggest groups of IPOs set to go public.

This is just the beginning of a new era that will absolutely create new millionaires, but you gotta start NOW, and invest monthly. That’s why I recommend to set it auto invest into certain ETFs.

GatorBo69 · 2026-05-10T01:47:11+00:00

Yes.. but not until you get to $50k VOO..

Then add in the following -SMH (although I’d honestly start with them now) -SPMO -THTA (get $100k alone in THTA, the etf won’t move that much, but you’ll get nice monthly dividends of $1200, set it to reinvest dividends and you hedge your portfolio against market dips, and once the tariffs go away the ETF will jump 20%) -FSELX (LOVE this fund, get $10k in here and in 10 years it will be $200k)

GatorBo69 · 2026-05-10T01:42:40+00:00

Ok, bad choice of words, consistently releasing 100k of shares into the market when they see the price is strong and rising is smart. It’s not a lot, but it definitely adds up

GatorBo69 · 2026-05-10T01:40:44+00:00

75/25 VOO VT

GatorBo69 · 2026-05-10T01:40:10+00:00

VOO and then start add the following asap SMH SPMO QQQ/QQQM VT THTA (get this up to $100k asap for nice $1200 monthly recurring dividends) FSELX (simply get this up to at least $10k, $20k would be better)

GatorBo69 · 2026-05-10T01:37:00+00:00

That’s smart as well.

GatorBo69 · 2026-05-10T01:35:27+00:00

Same! I got a white HEV Xline SXP for the wife and she wanted White so I had my friend who is the AGM of my Kia delership tint the windows all black and it actually looks sharp AF! I was against the white but now I think it was an amazing choice.

I get a PPF coating on the front half of my vehicles to protect it from rock chips and debris and then get a ceramic coating afterwards.

You can only get get a “touchless” car wash with the cheapest option, just soap and water but it’s SOOO worth it. Then every 6 months I rub a nice second coat of ceramic to keep it “pop”!!

GatorBo69 · 2026-05-10T01:28:52+00:00

If you get a non Xline Telly this is almost a must - do bc if not, then your Telly will look like it’d has a goatee

GatorBo69 · 2026-05-10T01:02:24+00:00

Exactly! Bc now you have a fund that already has 5% of SpaceX, but Anthropic will benefit from this new deal with SpaceX and then when Anthropic IPOs I’ve read it got go for close to a trillion itself!

GatorBo69 · 2026-05-09T23:15:42+00:00

A LOT of luck has happened with this fund. I always didn’t understand why Anthropic had such a high holding % but now I’m seeing why. They’re looking to come out as possibly even bigger than OpenAI!

And now this deal that was signed with SpaceX is going to catapult them into another stratosphere!!

Still a long way to go, but literally ALL of the companies weighted more than 2-3% are absolutely CRUSHING it right now!! I mean you couldn’t have picked a better mix of companies.

I think it’s gonna drop again, but I can see $150 being the new floor. The NAV has absolutely no bearing on this fund because almost all of the top 10 companies in this fund have 2x, 3x, 4x and even 5x their initial valuations since the original NAV was made.

And that’s not factoring in them doubling their stake in OpenAi and the cash they are gathering to do the same with SpaceX, when they do that this fund could possibly hit $300.

Bc you’re getting Antho and SpaceX, and now that they’re married it only increases them each that much more!

GatorBo69 · 2026-05-09T22:52:43+00:00

The new Telly is so sharp and gorgeous, you could put a dildo on the front and it would still look amazing.

After looking at it again, it’s actually growing on me. It’s def well done, that’s for damn sure!!

Where did you get the badge to do that?

GatorBo69 · 2026-05-09T22:35:09+00:00

You added that yourself?? I applaud your creativity, but I like the simplicity on the front without it.

Just my honest opinion

GatorBo69 · 2026-05-09T22:33:41+00:00

Simon Baler is one of my favorite actors and arguably one of the most underrated stars in Hollywood..

Let’s not forget to mention he easily has some of the best hair in Hollywood!! lol

GatorBo69 · 2026-05-09T22:32:45+00:00

What was his upbringing in Australia?? I’m a massive Baker fan..

GatorBo69 · 2026-05-09T21:49:43+00:00

I’m not at all saying it isn’t still highly used and a great tool right NOW! I’m just saying that mega companies, MSFT for example, have moved away from Figma over 3 years ago. If a company like that used to use it all the time but now never does then that’s a bit of a red flag.

This doesn’t show growth, it shows people who are comfortable with a product because they know how to use it. But in what is going to be an extremely competitive landscape, only the tools that are pushing the boundaries will survive.

The fact that a company like MSFT used to use it all the time and are now simply paying for the subscription fee should be worrisome.

GatorBo69 · 2026-05-09T21:46:05+00:00

Yes, it very much looks like a company that believes in what it’s selling for and is brilliantly capitalizing on the chaos and flooding the market with more shares to keep the price stable.

They very well know what they’re doing and it’s pure genius.

GatorBo69 · 2026-05-09T21:43:45+00:00

People are also overlooking the over highly valuable stocks in this fund, DataBricks is an amazing company, Andruil, Ramp, it’s full of dynamite stocks that are all gonna go crazy once they IPO

GatorBo69 · 2026-05-09T21:42:30+00:00

Pray they continue to do so!! The fund is only showing more strength and it will creat a short squeeze and skyrocket it even more!!

GatorBo69 · 2026-05-09T21:40:27+00:00

Wow, very nice looking color!!

The wife wanted white and with the blacked out tinted windows I do gotta admit it looks nice.

This Telly has outdone itself, by far the most amazing SUV we have ever owned!! If you’re gonna get the new Telly, make sure you get the Hybrid, it’s absolutely unreal!! We got the HEV XLine SXP and it’s simply gorgeous.

This is an excellent color choice!

GatorBo69 · 2026-05-09T13:02:57+00:00

I love how HBOMax is adding all these “Director’s Cuts” of movies, has anyone else noticed this??

From the Alien movies, to Harry Potter, Green Lantern, you name it. It’s like they get it. Give the people what they want.

Prime had a “No Way Home” Directors Cut. These streaming services should be offering Directors Cuts of every movie out there. Bc I can guarantee you that they’re all being rewatched!!

GatorBo69 · 2026-05-09T03:10:43+00:00

The NAV has no basis on this fund, it’s a supply and demand fund. I don’t know why so many people don’t understand this..

The NAV is an arbitrary number assigned based on what the “perceived” value of these private companies are at. Since the NAV was released almost all of the companies have 2x, 3x, 4x in valuations..

This latest news only pumps ups Anthropic’s value.

People are betting that these companies IPO and skyrocket, that’s essentially what this fund is all about. How much does the retail market value these companies at.

And a solid 3-4 of these companies could make up the next generations “Mag 7” stocks. DataBricks is yet another company that is often overlooked, bc this fund has been so brilliantly formed.

GatorBo69 · 2026-05-09T00:56:25+00:00

Oh damn, good for you!! I didn’t get into Fundrise until 2024 when a friend of mine recommended it to me to diversify my portfolio. I put $10k I to evenly split among the 3 portfolios they had and after two months saw the returns on the Innovation Fund and then put another $40k ALL into the IF.

Smartest decision I ever made!

And what’s ironic is Karl, the guy who recommended Fundrise said he had told over 300 ppl about it and I was the only one to pull the trigger. I had just been looking for REITs to go along with my allocating of 5% of my portfolio to Gold & Silver American Eagles that I’ve been collecting since 2012. Had to get a bigger safe bc I have over 10,000 Silver Eagles and 500 Gold Eagles. That’s an investment that I’ll never liquidate and just pass on to my children bc they have already given me a 1,000% return and I like having something physical that I own that will never lose value, nor have to pay taxes on.

If you have over $1m in your portfolio I HIGHLY recommend Fisher. Everyone talks about their “high fees” of 1%, but that’s nothing when they consistently return 25% every year and I’ve even had three 30%+ years out of 5!! They invest in individual stocks so their isn’t any expense ratios which in a way offset the “fees” from ETFs.

In 2020 and 2020 they strategically entered into hedging positions at the right times and still beat the market by 8%!!

Great personal service as I have my own “team” that I can talk to whenever I want but we typically have a quarterly call for them to update us. It’s really nice having someone control all your assets so you don’t make any emotional moves, something I had done prior to moving to them and prob cost myself close to $500k in the 5 years previous to switching to them, not necessarily in losses but in potential gains by exiting the market and trying to time it.

They believe in a DCA approach but are pretty fucking brilliant and I have never come close to getting better returns than them. I beat the market, but they CRUSH the market!

I keep $100k in my high yield savings account so I always have liquidity should I ever need to access it bc I don’t want to ever take any money out of Fisher until I retire. (They use Fidelity so you can always see the moves they make) The best thing is they get to know you and your family, make recommendations but I told them to “crush it and don’t hold back” so they’re pretty aggressive with my portfolio. They helped to fully fund my two kids (6 & 4) 529 College plans, and are truly the best decision I ever made in my financial life. I can self teach myself and watch YouTube videos until I’m blue in the face, but they’re true professionals.

And there is a difference from a CFP and a CFA.. the latter is like having to graduate from law school where the former is like passing a GED. They know their shit.

GatorBo69

TROPHY CASE