good for me, not so great for my retiree family members at this point unfortunately.
I advised them into a stock heavy boomer version of my 80/20 BTC portfolio: 25% Tbills in a ladder, 10% FBTC, 5% PHYS, 20% QQQ, and the rest in energy, real estate, and SPY. The 10% FBTC was very, very difficult to get agreement on. So far so good, but I'm nervous about how tech and spy heavy things are right now. Oil too looking like a poor short term allocation. May need to pivot
not looking for advice, just commenting since it's good to share and compare 🤝