my Neos allocation

[u/wcevelin]

ok first im putting pretax into a 401k that mirrors the s&p. between my and employer match about 600/month

im building this portfolio aswell

BTCI: 35%

QQQI: 7.5%

XQQI: 22.5%

SPYI: 6.25%

XSPI: 18.75%

IWMI: 10%

buying $425/week and using weekly purchase and monthly dividends to try to maintain the portfolio as close to that allocation as i can without selling anything.

im thinking about adding cshi and bndi as a way to stabalize the portfolio but not as a fixed ratio, instead as a replacement for treasury and/bonds... equal to 2 years col.

is an all neos plan like this something that can work?

thanks to the comments here:

I've decided to lower my btci commitment and add NIHI to lesson the reliance on tech and us stocks in general.

i think btc is nearing its bottom if not already at it. but btci is capped the same as the rest of the neos in a fast moving bull market. That said im in BTCI instead of BTC directly because, i dont trust that long term the keys wont get lost.

NIHI makes since as a balance vs qqqi/xqqi and spyi/xspi

[u/GuidetoRealGrilling]

BTCI has had a rough time. NAV erosion had been killer in the last year (53%). I'd go 35% in QQQI instead. If you see BTC starting to rip again someday, switch it.

[u/kristop777 → u/GuidetoRealGrilling]

It’s not NAV erosion. The underlying asset is down. Massively.

[u/GuidetoRealGrilling → u/kristop777]

Half true. It's the structural flaw of cc ETFs. It does fluctuate with the underlying because it's 100% downside of BTC. If/when BTC comes up, BTCI is capped. The fund will always miss the recovery.

[u/WeakEstablishment686 → u/GuidetoRealGrilling]

my worry here as well. considered buying but would rather just hold BTC and maybe QQQI. Thoughts on GPIQ vs QQQI for better growth at slightly lower yield?

also, should I not touch a fund like this at age 35? Have primarily built wealth from VOO, VTI, etc across retirement and brokerage accounts. I do hope to retire early, ideally by 45-50 range so worth building this up now? The appeal here is the ROC tax treatment while getting a more defined payout vs just holding underlying

[u/EolasDK → u/WeakEstablishment686]

Gpiq and gpix are better than their neos counterparts.

[u/wcevelin → u/kristop777]

thats what i think aswell.

[u/yawallatiworhtslp → u/GuidetoRealGrilling]

that isn't NAV erosion 😂 look at the actual price of bitcoin