Investment Advice

[WadeLookingbill]

If you had a 1/4 million bucks, where would you invest it? Given that the country is run by a deranged nut and the markets are all over the place. Thank you!

Good topic/thread.

As mentioned above, timing of when you need the money is the key.

I recently had a similar decision, and decided I'd go with ~40% in VOO or SPY; ~40% in a few individual stocks (for me Google, Amazon, Morgan Stanley, and Nvidia (averaged in after the Deep Seek drop)), and ~20% in money market at 4.5%. I have a long horizon on this money and will reallocate from time-to-time. As much as everything seems inflated, Trump and his team will do whatever it takes to push the markets higher (even if not sustainable long-term).

Another idea I don't think has been mentioned are dividend stocks (like MAIN which has been on quite the run). You have to be careful chasing high yield dividend stocks but there are quite a few that can get you 10-14%.

Not advice but my personal decisions.

 

[Capital1Hawk]

Except

Valuations are already through the roof. And markets don’t like risk, which will continue to be the environment going forward.

The Buffet Index is sky high but nvr know when the sky will fall. Imagine 10 point correction then back and forth for a year. Doubt major pull back unless something big hits.

 

[10kHawk]

Hold it in a high yield savings account and feather in on the big dips as the market reacts over the next two-three quarters to the bad news. Too much optimism right now built in right now, first couple bits of bad news will take it materially lower

 

[Bank of Hawk]

If you had a 1/4 million bucks, where would you invest it? Given that the country is run by a deranged nut and the markets are all over the place. Thank you!

Depending on your timeframe.. if it’s extremely short term, you can get a good risk free return on us treasuries.

I don’t have any recommendations for specific stocks at this time. I’m still curious to see how the business landscape looks in the spring. I’d suggest NASDAQ index related fund right now.

I personally have built a large NVDA position and I have held for a while, but no longer adding to it. I did pick up some TSLA last week because it had fallen quite a bit off the high and, well, Elon can call his own shots from through the president, which should benefit Elon related companies.

 

[Bank of Hawk]

I have dabbled in quantum computing related stocks, made some really good trades with RGTI, but completely out of it now.

Quantum computing will be the next revolution after AI. But there are still years worth of kinks to workout of quantum computing before it can be a true game changer.

 

[SeaPA]

Open an ostrich farm

 

[TennNole17]

Gamestop, of course.

 

[seminole97]

What about gold?

It's time to update the avatar, chief.

 

[Colonoscopy]

Waffles

 

[Here_4_a_Day]

What about gold?

You missed the run, it’s like you, too high.

 

[Nole-4-Life]

Don't take this as advice but if was me:

I would buy a mix of S&P and Russell 2000 growth and value index funds.

This...I got tired of chasing stocks with the little bit I have in the market and just plopped it all in a mutual fund. Have not regretted it.

 

[hexumhawk]

Put everything into Beanie Babies collections

 

[soybean]

Buy 5 $15.00 November25 Soybean Calls for about $1,000 total that might expire worthless on 10/24/2025 or they might be worth much more. In the next 6-8 months just sit on the other $249K @ around 3.5% short term until then and re-evaluate things in late August/early September forward.

If that doesn't work, do it again next year.

 

[GOHOX69]

You missed the run, it’s like you, too high.

You almost made a sane post! So so close.

 

[GOHOX69]

I have dabbled in quantum computing related stocks, made some really good trades with RGTI, but completely out of it now.

Quantum computing will be the next revolution after AI. But there are still years worth of kinks to workout of quantum computing before it can be a true game changer.

I've actually played with the core of the IBM quantum computer in NY Good times and yes, you are correct.

 

[RileyHawk]

Gonna have to agree with the other poster here. Buffett trimming holdings is quite a bit different than liquidating the portfolio. Buffett sees everything as overpriced at the moment and just preparing to buy the dip.

Me personally? I’m pausing automatic investments to build cash reserve (and gradually shifting ratio from US to Foreign ETFs).

Of course it is, that's not the point. That he is pulling back his holdings is. There's a lack of confidence there.

 

[GOHOX69]

Put everything into Beanie Babies collections

I knew a woman who was big time into this. I mean like hardcore. I wonder where her collection is, these days.

 

[FAUlty Gator]

LVS
SPPI

 

[Here_4_a_Day]

Buy 5 $15.00 November25 Soybean Calls for about $1,000 total that might expire worthless on 10/24/2025 or they might be worth much more. In the next 6-8 months just sit on the other $249K @ around 3.5% short term until then and re-evaluate things in late August/early September forward.

If that doesn't work, do it again next year.

Natty Gas and/or related equities could be the play here. Been nibbling again, but should have been chomping >

Natural gas - Price - Chart - Historical Data - News

Natural gas increased 0.74 USD/MMBtu or 20.33% since the beginning of 2025, according to trading on a contract for difference (CFD) that tracks the benchmark market for this commodity. Natural gas - values, historical data, forecasts and news - updated on February of 2025.

tradingeconomics.com

 

[jamesvanderwulf]

I knew a woman who was big time into this. I mean like hardcore. I wonder where her collection is, these days.

I knew it! You were dating my daughter behind my back!

Seriously, take all your money go to DraftKings and put it on Sahith Theegala to win the Masters…

 

[ICWestfan]

I knew it! You were dating my daughter behind my back!

Seriously, take all your money go to DraftKings and put it on Sahith Theegala to win the Masters…

I was going to suggest Aberg.

 

[jamesvanderwulf]

I was going to suggest Aberg.

Shhhhhhhh…

 

[jasonrann]

Hookers and blow.

 

[GOHOX69]

I knew it! You were dating my daughter behind my back!

Seriously, take all your money go to DraftKings and put it on Sahith Theegala to win the Masters…

If I dated your daughter, which I wouldn't, as I am ancient, you would bury me in concrete. Not that I am per se opposed to it and I haven't seen that Indian dude (at least I think he is) doing well lately. I defer to your better judgment. I hope you have recovered from the surgery.

 

[5545]

If you had a 1/4 million bucks, where would you invest it? Given that the country is run by a deranged nut and the markets are all over the place. Thank you!

Depends on a lot of things: net worth, age, whether this is in a tax-defred account or brokerage, tax bracket, etc.

 

[General Tso]

Max the tax friendly retirement vehicles then shovel into S&P 500. 1) it's boring and I may miss out on disproportionate returns 2) I'm not very smart and risk averse, so it fits me

 

[MitchLL]

Do what our resident village idiot, Rico, did...DJT stock, but wait for it to hit $69.

 

[theVoicefromtheTomb]

Buy 5 $15.00 November25 Soybean Calls for about $1,000 total that might expire worthless on 10/24/2025 or they might be worth much more. In the next 6-8 months just sit on the other $249K @ around 3.5% short term until then and re-evaluate things in late August/early September forward.

If that doesn't work, do it again next year.

How much would 5 puts cost you at 15?

 

[soybean]

How much would 5 puts cost you at 15?

15 dollar puts @ around $4.50 each, or $22,500 each, the total risk would be $92,500

 

[theVoicefromtheTomb]

15 dollar puts @ around $4.50 each, or $22,500 each, the total risk would be $92,500

Got it. Asked a dumb question.

 

[TunzaHawk]

Says the guy who watches the market go up 20% over next two years, he puts money back in early 2027, then market goes down 20% and he loses 20%. Market timing is for amateurs. Do what Warren Buffet does, consistent buying and holding through all market cycles. But what does he know?

Buffett has been selling stock and hoarding cash recently.

 

[lucas80]

What about gold?

It's up, and if it goes any higher it probably means you didn't buy enough bullets, and society is crumbling.

 

[wausauhawk]

Someone die? We know that's the only way you would have two nickels to rub together! DOGE Dividend will only be $5000, and that's only for US citizens! >

View embedded media

Sending 5k out to everyone wouldn't be inflationary at all.

 

[jamesvanderwulf]

If I dated your daughter, which I wouldn't, as I am ancient, you would bury me in concrete.

Ha, ha, not true. I would have sent the Beanie Babies to your father as part of the Dowry. I only had 2 rules: no Cubbies and no City High grads. ( didn't want her to end up marrying a prison guard...)

 

[Here_4_a_Day]

Sending 5k out to everyone wouldn't be inflationary at all.

Neither is paying for 30,000,000 ILLEGALS.........

 

[Brian_Fantana]

If you want it liquid, I’d look at an uncorrelated Alternative ETF. Plenty of them out there; but for bigger names, Blackrock has a few returning quite well. If you aren’t concerned about liquidity for awhile, plenty of long term Alts out there that are less liquid; but structured for growth and tax efficiency. I’m in a Life Settlement fund that is domiciled in Ireland for tax efficiency upon withdrawal that is boring but very safe. I’m a big believer in allocating at least 10% in Alts, specifically alts that invest in assets that have little to no correlation to interest rate and market swings.

 

[uihawk82]

If you had a 1/4 million bucks, where would you invest it? Given that the country is run by a deranged nut and the markets are all over the place. Thank you!

If you are worried about regular stocks crashing, mutual funds tanking, bonds slipping in this time I would go with Brokered CDs. You can get about 4.5% right now, create them with several banks. You can cash them in if needed without a penalty unlike when buying a CD from a bank.

So spitballing 4.5% times $250,000 gives you roughly $5K interest made. PS check out whether you buy a callable or uncallable CD

I was lucky right before the big crash of 2008 to get great economic guidance through my work. I moved all my mutual funds to money market and CDs and didnt lose anything, but I didnt make much also. But when it was over I moved my money back to better equity mutual funds and I didnt have to make up the 25-40% losses.

 

[bdcolt45er]

Just buy Melania coins. This is a totally legit investment and not a rug pull scam.

 

[OutbackBowl2017]

Frozen OJ concentrate. This guy told me….

 

[dgordo]

Look at a long term stock market chart, it goes up. Put it in an s&p index fund. Trust me, I’m Jewish.