My Investing strategy for 2021 (stocks, crypto, ETFs)

today we're going to talk about my investing strategy for 2021. uh just a reminder it's gonna be a year since i started investing in march 2021 because last year when the crisis hit when everything went down i was like okay this is my time to start investing i was kind of hesitating before that but then i realized you know i have my money in my savings accounts which give me what one percent a year it was 1.7 back then now it's less than one percent and um last year my strategy was really like basic i invested in etfs index funds bought some individual stocks but i was very cautious like if you look at my portfolio overall eighty percent of my portfolio more than eighty percent would be in cash because i was just afraid to make any steps towards investing more this year number one thing that i'm gonna change is that i will try to invest 40 to 50 i'm hoping to be closer to 50 of what's left after i deduct all of the expenses i had a video about my financial planning but basically at the beginning of every month i sit down and fill in my excel spreadsheet where i have every income matched with its expenses for example youtube course or my products or whatever and then expense set deducted and i also deduct our family expenses and then in the end i'm left with the sum of money so 50 of it would stay in savings accounts and by this i mean cash because you know tax payments and if something happens like an emergency situation and the markets go down and i don't have this liquidity and i don't want to sell because of taxes again so 50 would still be in cash but the rest is going to be invested and i'm going to tell you where i think it's going to be going this year of course the strategy might change because i'm like you know listening to things reading different reports and um can adjusting based on what's happening on the market but just another thing that i wanted to tell you i'm just a blogger like i'm not a professional investor i am just documenting my investing journey here and the purpose of doing this is to well read your comments connect with like-minded people because i just love when people reach out to me and say like hey i also start investing this is something you should look at by the way i've read two big reports i read fidelity report for 2021 and also ark invest report and rk invest report was given to me by one of my followers and this is why i'm doing all of this because i'm just getting great ideas from you guys as well so my 2020 portfolio grew at around 20 to 25 because i have different uh brokers that i use but this doesn't mean that i'm an investing guru i think if you take the average person that last year who started investing uh their like portfolio would grow at kind of similar rates but a lot of other bloggers are talking about like 40 60 return on their investments again i was just lucky to start investing in tech companies and stocks and etfs and index funds that have a lot of tech companies and uh they grew a lot in 2020 so by no means i'm an investment guru or somebody who can give advice and another disclaimer before we continue to my strategy is that uh watch out for scammers i know some scammers took a silicon valley girl name but they added spaces and they kind of adjusted it in the way it looks like me but it's not me and in comments below they would reply to your comments with a random whatsapp number and would offer you to invest in bitcoin that's not me i have a full-time manager who's just blocking those people off the channel but unfortunately they keep coming back we reported this to youtube i don't know how am i able to stop them i don't want to close the comment section but i also realize that you know this might cause some damage because i see you replying to them so please please please i would never ever ask you to message me on whatsapp and co-invest in bitcoin would be this is not me i don't run any investment funds or whatever okay let's go back to talking about my strategy so first of all i told you that um i'm gonna be keeping 50 in cash the rest will be invested hopefully because i'm this person was like oh my god the markets are down maybe i should you know wait out because maybe that's a trend or oh my god the markets are up maybe it's too expensive but this is why um i love to come up with a strategy and i love to tell myself like this is automated this is something i would do like every month and i won't be distracted by the whole buy of the signals that i'm getting from like everywhere second strategy hopefully in 2022 we will add a real estate item something from real estate to our portfolio like buy a house i'm not sure where i was actually looking at austin in order to do that i need to kind of change my tax strategy because um again i was deducting a lot last year i was reinvesting a lot back into business i spent tens of thousands of dollars on instagram ads because i wanted to boost my profile and also save on taxes i invested a lot into different team members and invested a lot into equipment only to realize this is the best strategy for asking for mortgage so i started working with a mortgage broker and this year i will be deducting less from my business i would still be investing of course better equipment better people you know better team but it will be limited so i won't be like investing in ads to boost engagement on my instagram profile i'm fine with whatever is going on and i'm gonna rely on organic growth but anyways this is another strategy that's changing policy genius which is an insurance marketplace is sponsoring this video and last year when i started again investing and thinking about how can i protect my money i started talking to cpas and lawyers here and i got three advice from them first of all start investing second of all create a living trust where you just transfer your assets so in case something happens you know where everything goes and third get a life insurance and again life insurance is something i didn't really think about i was like do i really need to get it and this year is definitely on my list you can save 50 or more on life insurance by comparing quotes with policy genius and i just love when companies make everything easier because otherwise i would have had to go to like insurance brokers and inquire about the price and pay extra fees so policy genius is something that i'm using to get my life insurance by using policy genius you get personalized quotes from top companies in minutes you can easily apply online and compare your quotes all in one place and you can talk to real people there and get unbiased advice from policy genius experts they also handle everything paperwork scheduling negotiation with the companies for you again this is something i really care about somebody saving my time policy genius never sells your information to other companies that means you're not getting those 10 calls from unknown ids tomorrow and policy genius doesn't add any extra fees you could save 1300 or more per year by using policy genius to compare life insurance policies visit policygenius.com silicon valley girl to shop the market and start saving today now let's move into what's happening on the market so according to arc there's no bubble on the stock market but there is a bubble on the bonds market and bonds are valued higher than their returns and there is no economic incentive to buy bonds any longer and i've heard that for many people around me so i stopped buying an index fund on vanguard that was focused on government bonds and i will be redirecting that money to something else so i am not sure about this like bubble like a lot of people talk about this bubble on the stock market and it's up to you who you believe it's up to you who you listen to but i decided that i'm not gonna buy into big company big tech company stocks anymore at least this year because i already have amazon i already have google i already have apple uh i already have tesla and i will just invest into an etf of value stocks what is the value stock value stock is a stock of a company that doesn't have high multiples but has great financial results what is a multiple so for example your company makes 10 million dollars a year and the multiple is i've seen like multiples 20 30 40 and it's valued at 400 million dollars on the market some people might say it's crazy so basically there is an etf that focuses on these value stocks it's called russell 2000 and it focuses on small cap stock market i've already started buying into it using ishares russell 2000 etf now another opinion is that global economic recovery could benefit emerging markets such as china india and other asian markets where a lot of american companies are moving their production and if we look at the graph by fidelity uh in terms of like how economies are recovering china is leading the way and they're recovering the fastest so i decided that i will start buying a china related etf so last year i bought some alibaba stock right before the news came out that jack ma disappeared and the stock went down i was like wow that was a bad idea like i know that china is not u.s and like they have a different game at play and i just regretted doing that but then the style grew again so this year i was still invest in china but i will invest in an etf i've chosen ishares msci china and i'm also adding ishares msci all country asia except japan etf in order to diversify my portfolio and add stocks of large and mid-sized companies in china and in other asian markets now after reading arkhanvest outlook for 2021 i just got so inspired by their strategy because their strategy is to focus on companies that are teslas in their own markets like tesla exchanging the automobile market and there are companies like this in every market and by tesla's of the market they mean companies that focus on investing in their future and not on showing short-term profits in order to increase dividends and make their investors happy they are just focusing on changing the world and developing new technology and i decided that i want more of those companies in my portfolio and arc does their own etfs and i decided to add them to my portfolio as well so i'm adding arc autonomous technology and robotics etf by the way guys if you want to read that report i'm gonna leave a link below i love their pdf took me a while took me several days to go through it but again just because i'm in silicon valley and i just get inspired by all the innovation and i know a lot of companies that they're talking about because well i drive past their offices every every week and i just love this idea and because i'm a long-term investor i think this would show better gains compared to just a standard s b 500 index so i'm adding our autonomous technology and robotics etf i'm adding arc genomic revolution because well biotech and because this year i am not investing in real estate but i really want to have a fraction of my portfolio invested in real estate i decided to add i shares global rate etf which is tracks global real estate markets the only problem with etfs is that you can't automate investing in etfs you have to kind of manually log into your app and buy those etfs but i'm just hoping that i'm going to be disciplined and i am disciplined because i track my financials every month but i still invest in index funds and the difference between an index fund and etf the primary difference is that investing in index fund can be automated and i still have some index funds that i buy automatically and that is v-gux stocks of large u.s companies yes we talked about there might be a bubble there might not be a bubble but still um fidelity for example says that big companies will still continue to grow because this online trend is continuing google and amazon are on top of it so you know this index fund has those shares as well vt sacs entire us market large mid and small cap stocks nvtix thesis talks of both developed and emerging markets 25 of whatever is left at the end of the month is going to be equally invested in index funds and etfs i just mentioned 23 stocks stocks would pretty much reflect the strategy that i'm sticking to like growth companies companies that would trend in the future green companies that use sustainable methods but there is no like plan like i want ten percent of my portfolio to be tesla or five percent of my portfolio to be this well two rules uh number one is that every single stock should make up more than five percent of my portfolio the purpose of diversification and the second rule is that i do dollar cost averaging so if i decide that five percent of my portfolio should be tesla then i will be just buying some of tesla stocks every month or every two weeks but not in a single day so i still keep those rules and with the stocks you know i will just go with the flow i will see what other people are doing i will analyze read news i like morning brew subscription so all of that stuff okay and the last but not the least you're wondering where the the rest goes two percent you know if you show me this video last year i'll be like you're really crazy but this is how the world is changing so two percent goes to bitcoin two to three percent again the percentages will trade but still so again arc invest and a lot of other reports are talking about bitcoin becoming corporate cash we see this trend already starting square invested one percent of their cash into bitcoin while elon invested part of tesla's cash into bitcoin and what art says based on daily returns across asset classes during the past 10 years our analysis suggests that allocations to bitcoin should range from 255 with when minimizing volatility and 655 and maximizing returns and they also say that with this trend like with corporations investing even like one to two percent of their cash into bitcoin it could grow forty thousand dollars more if all of s p 500 companies decide to put a fraction of their cash into bitcoin it would go up in price by four hundred thousand and again i know it's risky and i started investing in bitcoin back in 2017. at the end of 2017 i kind of transferred the majority of my portfolio to dima because he wanted to buy i wanted to sell and um you know i kept whatever was left and i had like three or four thousand dollars in bitcoin which is now fourteen thousand dollars and uh i decided that you know okay i will just keep investing i know a lot of high-profile people here in silicon valley talk about bitcoin being like five hundred thousand hundred thousand two hundred thousand five hundred thousand and i did an interview with tim draper and he just loves bitcoin so no i don't wanna miss out on that but i also don't wanna be too risky with my investment strategy so two or three percent would go into bitcoin that was it for me for today guys i will leave all the links below to the brokers that i'm using and i use robin hood i use weeble i use vanguard i use interactive rockers i use coinbase so all the links will be below they are affiliate which means that if you use them you will get some stocks for free and i will get some stocks for free win-win if you don't want me to get free stocks and if you don't want to get free stocks just google those those rockers uh thank you guys so much for watching this video up to the very end if you have any comments any questions any ideas write them down below watch out for scammers getting back to you in the comment section i'm really sorry for that again.