LAVISH INVESTMENTS FOR THE LAZY INVESTOR

Don't you want to own a business or have another stream of income?! This is what the rich are doing, not the people living pay check to pay check. The people living pay check to paycheck are too busy spending the little they have on stupid overpriced items that aren't necessities rather luxury items. Why not substitute those "small" liabilities for assets! Just drink water stop buying soda its healthier and cheaper, stop eating out all day and eat at home with in a 6 hour window (you will be surprised what your body is capable of). And most importantly don't go out drinking/partying every night destroying your health and future.

If you make these small changes you will have a surplus of money that would have gone to waste. Now you can start investing, whether it's 5$ a week or $500 just start! You don't know how to properly diversify? Well that is what this article is for! What if I told you you could invest in every stock/bond in the world, over 70k worth of assets, with just 15 ETFs! (An ETF is basically one stock which includes multiple other stocks in a specific category whether its the whole world or just clean energy or an ETF that mimics the market, the topics are endless and new ones are created all the time, it's actually the 30th year anniversary of the first ETF which mimiced the S&P 500) These ETFs give you exposer to not just large cap stocks but small and mid cap as well. Not just stocks in the USA but in emerging markets and developed markets. To make sure you are proportioned more conservatively these ETFs give you more exposer to stocks with high dividend yields as well as value stocks and stocks that have been moving with a lot of positive momentum. To diversify even father these ETFs also include commodities and bonds, every one you can think of from municipal to corporate to TIPS to AAA to foreign. One of the ETFs is even an ETF with 7 other ETFs... I will leave 5 other ETFs for you to personalize your portfolio, so you can make your portfolio more conservative or more risky.

TOP HOLDING MAJORITY OF PORTFOLIO:

1) AOR (7 ETFs 2.12 yield)

- iShares Core Total USD Bond Market ETF (33.21%)

- iShares Core S&P 500 ETF (31.09%)

- iShares Core MSCI Intl Dev Mkts ETF (19.27%)

- iShares Core MSCI Emerging Markets ETF (7.44%)

- iShares Core International Aggt Bd ETF (5.55%)

- iShares Core S&P Mid-Cap ETF (2.05%)

- iShares Core S&P Small-Cap ETF (.86%)

- BlackRock Cash Funds Treasury SL Agency (.09%)

TIER TWO BIG POSITIONS:

2) SPYD (81 holdings 4.38 yield)

- SPYD tracks an index of the 80 highest-yielding stocks selected from the S&P 500. Stocks are equally-weighted.

3) VTV (345 holdings, 2.48 yield)

- VTV tracks the CRSP US Large Cap Value Index. The index selects stocks from the top 85% of market capitalization based on multiple value factors.

4) GOLD (2.39 yield)

- Barrick Gold Corp. engages in the production and sale of gold and copper, as well as related activities such as exploration and mine development.

5) BND (17360 holdings 4.03 yield)

- BND tracks a broad, market-value-weighted index of US dollar-denominated, investment-grade, taxable, fixed-income securities with maturities of at least one year.

TIER THREE MISCELLANEOUS:

6) IEFA (3052 holdings 2.86 yield)

- IEFA tracks a market-cap-weighted index of developed-market stocks in Europe, Australasia and the Far East, and excludes North America.

7) VB (1491 holdings 1.57 yield)

- VB tracks the CRSP US Small Cap Index.

8) BNDX (6789 holdings 2.98 yield)

- BNDX tracks an investment-grade, non-USD denominated bond index, hedged against currency fluctuations for US investors.

9) JPME (364 holdings 1.98 yield)

- JPME tracks an index of mid-cap US stocks selected using relative value, momentum and quality factors, and for equal risk contribution by sector.

10) VNQ (171 holdings 2.83 yield)

- VNQ tracks a market-cap-weighted index of companies involved in the ownership and operation of real estate in the United States.

11) VFMO (616 holdings 1.25 yield)

- VFMO is an actively managed fund that invests in large-, mid-, and small-cap US stocks with high momentum.

12) DBC (23 holdings)

- DBC tracks an index of 14 commodities. It uses futures contracts to maintain exposure and selects them based on the shape of the futures curve to minimize contango.

13) JEPI (131 holdings 11.77 yield)

- JEPI is an actively-managed fund that invests in large-cap US stocks and equity-linked notes (ELNs). It seeks to provide similar returns as the S&P 500 Index with lower volatility and monthly income.

14) VT (9517 holdings)

- VT tracks a market-cap-weighted index of global stocks covering 98% of the domestic and emerging market capitalization.

15) VWO (4677 holdings)

- VWO tracks a market-cap-weighted index of emerging-market stocks, excluding South Korea.

BONUS ETFS FOR PERSONALIZATION:

16) ARKK (31 holdings)

- ARKK is an actively managed fund that seeks long-term capital growth from companies globally involved with, or that benefit from, disruptive innovation.

17) IBML (1567 holdings 2.55 yield)

- IBML tracks a market-value-weighted index of investment-grade AMT-Free municipal bonds that mature between January and December 2023.

18) PVI (49 holdings 2.81 yield)

- PVI tracks a market-value-weighted index of VRDOs issued by US municipalities.

19) ICLN (172 holdings .85 yield)

- ICLN tracks a tiered index of global companies involved in clean energy businesses.

20) UUP (8 holdings)

- UUP tracks the changes in value of the US dollar relative to a basket of world currencies via USDX future contracts.

BONUS ) SH (shorting S&P 500) / VXX (volatility)

BONUS) BSV (short term bonds) / MBB (long term bonds)