How do you invest your money?

I am 34 and stilling YOLO-ing in Indian IT without any savings.But I have invested money in experiences. Last year I drove to NE part of country touching China, Nepal, Bhutan and Bangladesh Border.

This made me quit my job without any other offer. I got hike of 35% during peak lockdown of Corona. Money in bank account is just numbers. Invest in yourself and learning.

My portfolio is split 50-50: I have $2M in common Vanguard index funds (VTI/VXUS/BND), and $2M in private illiquid equity from a startup I worked for in the past, via options I exercised.

Every now and then someone contacts me interested in buying some shares of that company, which I promptly sell and immediately buy index funds with the proceeds. I liquidated about $1M of those shares already, I wish I could sell the rest, it is so “painful” having so much of your net worth locked up into an incredibly illiquid, risky and unpredictable asset.

I don’t invest in nor own anything else (except a few months of living expenses in a savings account): I’m a happy renter and don’t own a car.

- 25% Wealthfront (~medium aggressive fund)

- 30% Industrial/Commercial Real Estate

- 5% Crypto

- 40% Cash

I'd like to reduce the cash. Will probably buy gold with about half the cash to align with a more all weather portfolio [0].

0. https://ofdollarsanddata.com/ray-dalio-all-weather-portfolio...

Lazily and automatically when possible. Also with tiered levels of liquidity. Higher liquidity equals lower interest.

Just index funds for now. ~70% in some Vanguard world index fund and ~30% in bonds. But I'm planning on doing some research on some microcaps as well. For individual investors with sub-$1M portfolios microcaps are one of the few places where we can seek alpha.

I'm in Canada. I buy VEQT.

TSLA/AAPL and options.

Seriously get in TSLA. It's going to double by March, probably earlier.

I could buy ETFs and do the boglehead/lazy portfolio but the returns are minimal compared to picking market leaders. Also you need to be making serious money for those to be valuable or live a frugal life and then spend when you are dead.