Gyroscopic Investing

Bitcoin has become more mainstream recently, which limits backtesting however from 2021, after all of the big-up's as it became more accepted, 25/50/25 bitcoin/stablecoin/gold compared against stocks https://www.portfoliovisualizer.com/bac ... 95k8P7yq22

With that you could hold BTC/USDC/PAXG crypto currencies/tokens, perhaps in a offline wallet where you are the bearer holder (eliminates counter party risk in depository systems and exchanges), could pass the private keys to anyone you like directly as a form of wealth transfer and you can trade 24/7.

Prefer a more PP like holding and ... reduce the BTC down and increase the stablecoin holdings https://www.portfoliovisualizer.com/bac ... 5urMrYuewF

After the US weaponized SWIFT and now with Trumps tariffs pushing uncertainty to extremes many are moving away from investing-in/lending-to the US and transitioning over to the likes of the crypto assets. Presently USDC/USDt type dollar based stable coins are preferred, however other choices are rising that diversify away from the dollar. Trumps is also helping that along after he became fond of crypto after his family were de-banked by the democrats, is keen to promote the widespread adoption of crypto - which somewhat conflicts with his dislike of the BRICS and their establishing alternatives to the dollar.

flyingpylon wrote: ↑Thu Aug 21, 2025 10:31 am What is the job?

Any chance there could be more than one?

well the job in the accumulation stage for our long term money is to have your money work for you while you work for your money .

it’s to take advantage of the two most powerful tools we have , TIME and COMPOUNDING.

i know in my accumulation stage i didn’t want my money having a low end job so i compounded it as best as i could with 100% diversified equity funds . no bonds , no cash .

now in retirement the job of the portfolio is to sustain a relatively, safe , secure withdrawal rate that keeps up with inflation. and unexpected large expenditures or in our case we have planned large expenditures we like to spend on .

it’s no longer about maximizing our returns .for the most part we won that race , now it’s about enjoying that money and sustaining that income for as long as we live

mathjak107 wrote: ↑Thu Aug 21, 2025 10:18 am Many who want to do what’s comfortable can’t afford to so they are using the wrong tool at the wrong time in their life

And it hurts them and they ended up giving up more money then they would ever lose

This an interesting take, but I disagree with it. Due to behavioral issues and life satisfaction, it is more important to be comfortable with your portfolio than optimizing for the highest net worth, even during accumulation.

i would disagree , what we may be comfortable with and what we need to have to meet our goals are two different things .

many retirees have been hurting themselves , in fact dangerously as they try to go with what they are comfortable with as opposed to the allocation they need to maintain their draw rate they are counting on .

most of us workers don’t have the luxury of going with what we are comfortable with in the accumulation stage because we need one of the most powerful forces on earth working hard for us and that is compounding .

the best way to have an underfunded retirement is go with what you are comfortable with .

if one can’t handle the proper amount of equities to adequately grow their money than get a money manager who can .

this is where most would benefit paying a money manager.

vanguard has done a few studies on this and they are the grand pappy of do it yourself investing but they found most small investors would do better letting someone else handle their money

Things aren't quite as black and white as you make them out to be.

nothing is ever black and white . most things are just different shades of gray .

but the more one can manage to save for retirement the better off they likely will be .

that doesn’t change.

the less cash you can save for that goal the more compounding you will, need . that also doesn’t change.

your personal feelings or comfort level don’t pay the rent or put food on the table when the pay check stops.

the mistake is not having others manage it for you if you aren’t comfortable.

in fact morningstar small investor returns shows that more conservative investors just have a lower tolerance level and the more conservative funds show the same poor investor behavior when things get volatile as the more aggressive funds