For those investors who are new to the investing world and not sure where to start, we created this basic portfolio to help you. For seasoned investors, it may help to provide insights or ideas to expand your portfolio. For this scenario, we are going to distribute a hypothetical $100,000.

Allocation

🛡️ Wealth Preservation (15%): This portion protects against inflation and market volatility.

• Gold – a hedge against inflation and economic downturns

• Silver – an accessible precious metal with industrial demand

• Cash – liquidity for emergencies or opportunities

💵 Cash Flowing Portfolio (50%): Ideal for consistent, lower-risk returns that provide consistent income.

• SCHD – a dividend-paying ETF with solid companies

• BND – a bond ETF that offers reliable income with lower volatility

📈 Capital Gains (25%): Long-term stable growth

• SPY – tracks the S&P 500, giving you exposure to major U.S. companies

• VTI – covers the entire U.S. stock market for broad growth potential

🔥 Speculative (10%): Assets with massive potential

• Bitcoin – high-risk, high-reward asset with long-term upside (use caution)

* Be aware that the following suggestions do not constitute investment recommendations. Instead, they serve as introductory concepts for potential investments, offering a broad representation of the US stock market, commodities, and speculative options (such as cryptocurrency). They provide easy methods for anyone interested in commencing their investment journey, regardless of their initial capital. It's essential for all investors to thoroughly assess the unique attributes of each investment asset and understand its role within their comprehensive portfolio.