Crypto & Alternative Investments
Alternative investments are assets outside traditional stocks, bonds, and cash.
Cryptocurrency:
Bitcoin, Ethereum, and thousands of altcoins
Extremely volatile — Bitcoin has dropped 80%+ multiple times
No underlying cash flows; value driven by speculation and adoption
Blockchain technology has legitimate applications
Maximum allocation for most financial advisors: 1–5% of portfolio
Regulated crypto ETFs now available (Bitcoin spot ETF approved 2024)
Gold and commodities:
Gold — traditional inflation hedge; no dividends; limited industrial use
Oil, agricultural commodities — volatile; inflation hedge
Commodities add diversification but not long-term growth
Private equity/venture capital:
Investment in private companies
High potential returns, high risk, illiquid (money locked up for years)
Usually requires accredited investor status ($200,000 income or $1M net worth)
NFTs (Non-Fungible Tokens):
Unique digital assets on blockchain
Speculative; market largely collapsed 2022
Rule for speculative assets: Only invest what you can afford to lose completely. Never speculate with money needed for goals.
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