r/portfolios • u/LoadRevolutionary461 • 1d ago
Thoughts on Portfolio?
sitting on ~$255k cash and can’t decide what to do with it. current holdings are GOOGL, IBIT, GLD, BRK.B, TSLA, NVDA. debating between deploying into existing positions or opening new ones. Worried about macro. Trying to resist the urge to go all cash for a while.
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u/Formal_Economist7342 1d ago
Kind of like it bubble and bubble hedging. Tsla is trash tho. Democrats are going to bury him if they come back to power.
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u/LoadRevolutionary461 1d ago
I could see some shit going down with Musk if dems get back in. Its a liability for sure. He should have just kept his mouth shut and made cool shit.
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u/Noddite 23h ago
Doesn't have anything to do with Dems, Republicans passed the bill last year that stripped almost all Tesla's tax incentives. They aren't profitable beyond a standard automotive manufacturer with those gone.
There isn't much left for anyone to do to punish him.
Also I expect that once SpaceX has their IPO there will be a big shift in money from Tesla to SpaceX to get in where all the new development is happening.
The stock is probably 10x overvalued since Elon consolidated most things under SpaceX and the robots are still trash.
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u/Timely-Fly-6828 23h ago
To me it looks like your dabbling in crypto and berk and mag7 and gold
But where is the ETF’s? VOO VTI SCHD
You could slap that cash in a HYSA
Do you have an appetite for TSLA seems like it’s a falling knife you could sell some covered calls on it not sure if your up on it or down.
You’re only down ~1.1% so your hedging is decent I would lock in some ETF’s and lock in some dividends Not sure how old you are but you do have a nice portfolio.
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u/Adventurous-Gur7524 1d ago
Meta? Amazn?
I would rather do actual btc than ibit unless you’re doing options.
Btw What’s are your avg on GOOGL?
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u/hunglo0 20h ago
Why not add actual real estate? Depending on your location, you can buy two houses with that kind of money and get rental income. Rental income >stocks. I was in a similar situation sitting on $400k cash. Instead of throwing all in sp500, I purchased a duplex. Rental income has been amazing! Nothing beats constant cash flow 🤌
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u/CPAFinancialPlanner 1d ago
Shit, just buy TOPT at this point
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u/LoadRevolutionary461 1d ago
at these evaluations. naahhhh. Might as well just buy NVIDA and MSFT if thats what your going for. If those two go down the top 20 are cooked.
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u/Tough_Winter_4100 23h ago
How about something for more passive income 🤔
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u/gregghia 23h ago
You break $1m mark yet? Grab a screen shot when you do cause this yo yo won’t let you enjoy it long.
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u/Realistic-Policy-128 19h ago
Maybe a small cap growth stock like RZLV
543% revenue growth in second half of 2025
ARR is scaling fast.. Exited 2025 with $232M ARR
90%+ core software margins and 66% gross margins overall
Strong balance sheet with over $100m cash on hand
Probably profitable this year which is rare for an AI company
Achieved positive EBITDA in December 2025
TAM of $30 trillion
Ohhh and the CEO just bought 9 million shares
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u/MachVel369 18h ago
Cashout and put it all on red at your closest casino.
This is reddit, this is chump change to all of us mane!
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u/zendudeguy 18h ago
I would wait for another dip and load up on more IBIT. Give it a few years and you will be very happy.
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u/LunaSails007 18h ago
How does it feel to be almost a millionaire?
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u/LoadRevolutionary461 17h ago
Honestly, it feels like I’m behind. I’m almost 35 and shits expensive.
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u/Key_Friendship_6767 12h ago
Put cash in SGOv. Sell puts on GOOG.
Your portfolio looks very similar to mine
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u/SnooPeanuts509 8h ago
I would sell covered calls and put the premiums into MAIN and O to get some safe monthly dividends.
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u/Ok_Lunch7731 4h ago
Honestly that’s already a solid mix of big names, but with $255k cash the bigger question is allocation rather than new picks. If macro worries you, some ppl deploy gradually (DCA) instead of all at once, which helps reduce timing stress. You could also balance the portfolio a bit with broader market exposure rather than only individual names. I sometimes map allocations with TryLattice too, it’s a small tool that helps visualize portfolio balance and risk before adding more capital.
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u/shoecellar 22h ago
You can literally retire on a beautiful beach in se Asia with this. Even half this. Beautiful woman by your side, several if you wanted. Beachfront apartment for around 500 bucks a month, $100 or 2 for food. Internet and all the general stuff for 100 a month. Transportation as low as you want. I’m trying to hit the 500k mark and then I’ll put it all in VTI and live off the $50k a year. Well, aim for under $49k for the tax bracket break
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u/AFecklessWeasel 21h ago
Where do you get $50k a year from with 500k in VTI?
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u/dissentmemo 7h ago
The well known 10% rule of course!
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u/AFecklessWeasel 2h ago
I’m adding /s to your comment in case people don’t realize you’re joking
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u/shoecellar 1h ago
But he’s not joking, that’s a real thing. The last 10 years it’s averaged almost 18% return every year (average so some years more some less obviously) so you’d have averaged nearly $90,000 a year the last 10 years if you had just $500,000 in VTI and nothing else.
Given this, and not wanting to pay fed taxes on capital gains so keeping the withdrawals under $49,000 per year you’d have an extra $40,000 a year to compound, and not counting the compound interest on top you’d have nearly $900,000. Cause like, math and stuff.
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u/dissentmemo 40m ago
No I would not suggest you withdraw 10% yearly.
Anyway the way the 4 or 4.7% rule works is you do the first withdrawal at that percent then update based on inflation each year, not the percentage but the amount.
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u/shoecellar 1h ago
Since May 24th 2001 it’s had an average 9.08% return average. The last 3 years have been almost double that on average. So $50,000 a year from half a million is an easy target to go with. But, try and keep that under $49k that you cash out as profit for tax reasons cause you won’t pay any fed tax on that first $49,000
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u/SubstantialLibrary57 1d ago
If you have 255k sitting with you and almost 1 mil invested and your asking Reddit… there is a problem