dreadpiratescript

Producer

Investment Approach

For someone my age I should be in a 85% stocks/10% bonds/5% play money style portfolio.

I'm considering making that more conservative even though I have 6 months savings in cash on account of commission never being guaranteed. Curious to see how my fellow savages invest and if accounting for a down commission year comes into play when making that decision.

(*all of this is in low cost index etf's of course)

💸 Investing

💴 Money Management

25 comments

Sort by:

hh456

Celebrated Contributor

sales

i own 65 cents of bitcoin. i put 3% into my 401k with 3% match. i pray i don't go unemployed.

CuriousFox

WR Officer

🦊

I have DOGE 🦐

jefe

Arsonist

🍁

Most of my money went into my house...

Sunbunny31

Politicker

Sr Sales Executive 🐰

Honestly not bad. Roof over your head, and a solid investment.

hh456

Celebrated Contributor

sales

Good job

Diablo

Politicker

Sr. AE

I like recurring deposit

SoccerandSales

Big Shot

Account Executive

I tend to just go with index funds atm with very little money in crypto and individual stocks just to play with

tightlines

Politicker

Account Executive

I do 3 buckets: 401k + IRA, Long-term high risk growth (index), short term play money (that I lose almost all the time, so probably should stop)

dreadpiratescript

Politicker

Producer

same on that short term play money, i look at like an expensive hobby

Kosta_Konfucius

Politicker

Sales Rep

I do 5% ESPP, 8% 401k with 4% match, and I bought a condo for the real estate.

dreadpiratescript

Politicker

Producer

nicely diversified there!

Kosta_Konfucius

Politicker

Sales Rep

Money burns a hole in my pocket, so I need to take it out of the paycheck before it hits

NotCreativeEnough

Big Shot

Professional Day Ruiner

I go way more aggressive. I'm basically all in stocks via index and mutual funds.

I also own a few rental properties that can help supplement income in the event of a bad quarter/year/whatever. It isn't enough to replace my income, but is enough to help out.

dreadpiratescript

Politicker

Producer

good on you for having that buffer, makes sense to me!

JDialz

Politicker

Chief Operating Officer

How old are you?

As one of the few investment professionals in the WR I’d say you should be 0% bonds.

dreadpiratescript

Politicker

Producer

27, im a former investment professional haha! just mimicking a target date fund for allocation at the moment

JDialz

Politicker

Chief Operating Officer

Retail bonds are guaranteed losers in good markets. Stay aggressive (especially in down markets) with your investments until you’re 80!

LightingLeader

Politicker

Specification Sales

At 27 I don’t think anyone is an investment professional Lmao

JDialz

Politicker

Chief Operating Officer

Huh?

dreadpiratescript

Politicker

Producer

genuinely curious for you to expand on this, is your view that you have to have x amount of years of experience before you are a "pro"?

JDialz

Politicker

Chief Operating Officer

This comment thread is out of order on my phone. Is the “genuinely curious…” question for me or LightingLeader?

As an aside, there is nothing that say you should be 10% in bonds and 5% in cash at age 27. Why do you want to shift more conservative with your model right now?

dreadpiratescript

Politicker

Producer

that was for lightingleader haha! I'll do my best to articulate it. a lot of our income isnt guaranteed year over year so would it make sense to have a larger reserve compared to the regular person to have to tap into given a down year.

LightingLeader

Politicker

Specification Sales

My point is no one is a “professional” at anything at 27

JDialz

Politicker

Chief Operating Officer

Strongly disagree. I am interested in what makes somebody a professional, though! Go on…

JohnnyMac

Executive

SMB Account Executive

I normally like to live off my base and save/ invest the rest into general ETFs. however from my base I max out my 401k and Roth IRA

Bravado is a community of trusted sales professionals endorsed by their customers.

Products

The War Room Jobs Salary Guide Tech Sales U

Company

About Us How It Works Blog Bug Bounty

Contact

Press Careers

If you are hired as a contract sales rep by a Bravado customer, we may ask you to prove access to the employee email account provided to you by that customer. This data will be shared with customers to track your sales productivity; customers can use this data to confirm you meet the minimum activity requirements to pay out your ramp stipend and commission.

dreadpiratescript

Investment Approach

25 comments

Related posts

What return on investment numbers are buyers comfortable with?

What’s your experience with Revolut’s investment account?

Investment Analysts