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might I ask /biz/'s thoughts on "portioning"?
basically goes like this:
>30% of whatever you earn is invested into long-term investments, such as properties/land
>30% of whatever you earn is invested into commodities, such as gold (24 karat)
>40% (the rest) is held onto, as either real cash or put into a savings account... investment bonds (as an example)
considering any possible expense, such as food, necessities, debts, e. t. c. are excluded.
>how would you tweak the figures/what other investments would /biz/ consider?
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>"portioning"
First we need you to type like you aren't an autist.
Are you asking for personal budgeting advice or portfolio diversification advice?
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>>1744092
This, since youre excluding bills from it, youre talking about diversification, OP, not diet advice.
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>>1744060
If your entire portfolio consists of fixed assets, gold (shit long term investment for anything except storing value), and cash/savings, then you're going to have a really hard time growing your capital.
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Diversifying your portfolio is fine, but what you listed is fucking retarded.
Commodities are not investments, they're just gambling for funsies.
40% in cash and bongs is retarded. You only need an emergency fund of X months of expenses, in addition to money required for any copays/deductibles for any insurances. The rest should be invested.
Someone like you should just buy 90% VTSAX and use the remaining 10% for your memes
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>>1744060
You mean diversifying your portfolio to mitigate risk?
If you have enough capital and can afford to, of course, why wouldn't you. I think the ratio is normally no more than 20% of your capital per investment.
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