Do some serious homework on the markets before putting that 500k on the line. Some, but not all, and probably not half of the stocks in the S&P 500 will continue to gain this year. Bonds have run up recently, so they also have more immediate risk of decline / low yield.<p>Also, consider things not so obvious: option selling strategies. Warren Buffet does it, so smart is as smart does.
Imagine my surprise this morning when I created a throwaway account to ask HN how I can actively invest $500K, go to the “Ask HN” tab to see how these posts are usually formulated, and someone’s asked almost the exact same question (I’m a couple years younger than 30 and I’m looking at small businesses).
The same way everyone should invest 10'000 USD: <a href="https://www.youtube.com/watch?v=JcqlCoreWi8&t=12s" rel="nofollow">https://www.youtube.com/watch?v=JcqlCoreWi8&t=12s</a>
If you need the money in short-term (2-3 years), I would split it into 2x250K and just park them in online savings accounts which currently give about 2.25% APY.<p>If you have a bit longer horizon, I would go for VTI.
Do you have time to watch the market? If you want to go with aggressive growth, and $500K you are willing to risk, then options trading. Put $20K per trade and it should double in a year.
Golden Butterfly portfolio:
<a href="https://portfoliocharts.com/portfolio/golden-butterfly/" rel="nofollow">https://portfoliocharts.com/portfolio/golden-butterfly/</a><p>Or some other portfolio among the many options on the site. The nice thing about this site is that you can simulate how your allocation would do historically.
Depends on your event horizon.<p>If you are planning to invest for retirement, then I would put it into a collection of Growth funds.<p>If your objective is to get a constant payout, then some dividend based fund.<p>If you want to throw it away:
1) send to me :)
2) buy a business you think you know but do not really. Everyone thinks they can run a restaurant. It is the winner for failed businesses.
>>> aggressive<p>BI provides a list of tech IPOs coming down the pike. No need to buy at all once.But a price-action-averaged, market-cap-weighted basket of securities from this pool could achieve 20%+ IRR through 2024<p><a href="https://www.businessinsider.com/tech-startups-going-public-2019-rumored-ipos-2019-2#beyond-meat-1" rel="nofollow">https://www.businessinsider.com/tech-startups-going-public-2...</a>
You can look into investing them in Amazon resellers. you can use a platform like upfund.io, or loan it out to Amazon sellers you know personally, from my experience investors can expect 40%+ annual returns. This is because the FBA business models can yield 200%+ yearly ROI for the resellers themselves.
I'd look for an industrial warehouse in the Midwest with strong credit tenants and long-terms leases (e.g. like a publicly traded company serving a utility function).<p>You'd have to start with a small property, given your capital. But returns are stable and can be relatively high -- 9-15%.
In general, invest in things with higher returns and lower risk. They're not necessarily correlated.<p>Things which you understand better than anyone, that you believe in but others don't.
make sure to watch this<p>> <a href="https://www.youtube.com/watch?v=tCc1n90ntWk" rel="nofollow">https://www.youtube.com/watch?v=tCc1n90ntWk</a>
Buy Decentraland<p>wait 8 years
...
x100 return?<p>sounds like a joke, and it kind of is, but I did it myself with 10k. With $500k you're going to fluctuate $10k everyday anyway. You never know.
What is your horizon?
Can you afford to lose a big chunk of it? No risk, no return..<p>If you have a long horizon (>15 years), invest part in crypto, part in index trackers, maybe take a few small angel investment stakes and some REIT.<p>Shorter horizon but still want to do aggressive?
The half in Crypto, and several early stage companies and keep a half in cash or bonds.