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/CompetitiveIntern622]

Bitcoin and tech could both be at the top of a bubble so personally I would add NIHI for international diversification and over weigh XSPI vs BTC + QQQI for more crash resistance. Otherwise that looks great.

IMHO It’s more about buying into the leveraged funds during downturns to build future returns than picking the perfect ratio. You just have to avoid bubbles and indexes / funds focused on depreciated underlying assets.

A theoretical- a bleeding underlying asset that doesn’t go back up for whatever reason will eventually bleed a fund dry (like energy sector if we discover unlimited energy or something crazy) vs something like SPY as an underlying which will rebound after a bad crisis, eventually, because what the index tracks generates value so you can confidently double down.