How I Would Invest $20,000 If I Were Starting Over

I'm Tyler, a former financial advisor and portfolio manager. Now I create financial content for free so you don't have to pay for it.

1. Invest in an S&P 500 Index Fund

I’d put $8,000 into an index fund that tracks the S&P 500, like Fidelity's FXAIX. It’s cheap and holds 500 of the world’s biggest and most profitable companies, including Apple, Broadcom, and Meta.

2. Invest in Growth or Tech Fund

Next, I’d invest $6,000 into a growth or tech-heavy fund like QQQM. Once again, it’s cheap and holds more of the companies likely to take off based on AI and technology.

3. Invest in International Stocks

Then, I’d invest $4,000 into an international stock ETF, like Vanguard's VXUS. The US is great, but history shows us that no one country's economy is going to win forever.

4. Keep Cash for Liquidity

Finally, I’d keep $2,000 in a money market fund, like Fidelity's SPAXX. It’s currently earning around 4% and invests in safe, reliable, short-term government securities like T-bills, providing immediate liquidity and relative safety.

Conclusion

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