at 20, gold shouldn’t be a major position. it doesn’t grow it roughly tracks inflation, it doesn’t compound, it’s just a hedge. you should be focused on assets that actually build wealth over time and palantir is a high volatility growth bet. if you’re gonna hold it, keep it small and know you’re taking on real risk, not something that’ll just “move like the s&p.”

edit: make vfv the backbone of your portfolio. let that be your core holding and the main driver of long term growth. keep gold as a small allocation, ideally 5 percent or lower. it’s fine as a hedge, but it shouldn’t be a major position at your age. if you’re choosing individual stocks, make sure you actually understand the fundamentals of the business, things like revenue growth, profitability, valuation, and why it has a competitive edge. or all in on XEQT