I'm Selling... Where I'm Investing in 2026
These notes were generated by AI and may contain inaccuracies.
2026 is going to be insane. 55% of Americans say they don't have enough money to invest, yet stocks are near all-time highs. Wealthiest people warn about an AI bubble. Home prices out of reach for most. Break down stocks, real estate, cryptocurrency, precious metals in 2026. Where investing own money, including one thing completely getting rid of, and how to position for generational buying opportunity or painful reset.
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Unprecedented conditions: First time in years Federal Reserve printing more money. Insiders selling stocks fastest since 2021. Nearly every asset at most expensive price ever. Be strategic in 2026, pick investments most likely for best returns.
Stocks were number one best performing investment of 2025, surprising since down a ton first half of year.
Value simplicity: set it and forget it, quietly grows without thinking. Dollar cost averaging into US broad market ETF covering S&P 500, larger midcap stocks, 20% international stocks, 5% emerging markets. Rest of world will catch up to US advancements. Diversification riding entire world stock market.
If long-term growth well, make money. If not, buy dip. April: S&P 500 below 5,000, NASDAQ to 15,000, Bitcoin to 75,000. Went from up a lot to seven-figure losses. Kept buying even more, quadruple down on buy-in prices. Better to buy cheaper than expensive.
People cheer all-time highs, but in 20s not retiring soon. Better for market to fall to buy cheaper, money goes further. Don't wait on sidelines or time market, but when falls, buy more, don't fear. History shows best buying opportunities.
Up almost 40% on every dollar invested eight months ago by dollar cost averaging. If market higher, keep buying. If drops, buy more. Not perfect, but Warren Buffett recommends for most people.
No idea where market moves in 2026 or when crashes. Market can remain irrational longer than you remain solvent.
Over 20-year time frame, S&P 500 never produced negative result.
Selling completely out of housing market. Started career 2008 as real estate agent, saved commissions, found deals, fixed up, rented, repeated. Realized not smart 100% in one asset class one location. 2020 diversified. Kept eye out, refinanced cheaper mortgages 2020, but no no-brainer deals.
Prices all-time highs, selling everything. Ties to risk: when markets unpredictable, control spending. Tracked expenses, found forgotten subscriptions, autorenewals at higher prices. Old subscription renewed 50% higher, called got money back.
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Housing: monthly payments doubled last 5 years. Some areas large price drops, others gains. Cheaper to rent than buy most US. ROI makes sense to cash out, put elsewhere. Don't want hassle owning in California: prices high better cash out, expenses increase faster than rent raises allowed, no dealing with contractors, management, insurance.
Not bad for everybody; if hunger to find deal, fix, add value, go for it. Values time over money, real estate not best for that. Sold three properties last two years, plan sell two more, ideally long-term primary residence only. Optimizing peace of mind over money. In California, make more selling and reinvesting elsewhere.
2026 housing: mortgage rates decline, prices soften not collapse, affordability slightly improve not much. Consensus more of same.
Not for faint of heart. Started year $93,000, fell $75,000, rose $125,000, settled $90,000. Bought beginning and held: lost money. Year-over-year decrease happened three times last 10 years.
Perfect storm: leverage causes liquidations on downside; investors to safer assets; profit taking after runup.
Small portion portfolio in Bitcoin ETF, dollar cost average like stock. Price down: tax loss harvest big purchases offset gains, buy back after 30 days. Worst performing 2025 year-over-year, but zoomed out well.
Not huge investor: few ounces gold held decade, few hundred silver coins since kid, ounce platinum bullion 1999.
2025 rises: gold past $4,300/oz, silver almost $70, platinum 2,000. Silver video request: driven by fundamentals - industrial use solar panels, EVs, electronics; economic uncertainty; supply deficit 5 years straight.
Inflation adjusted, silver below 1980 peak ($150-200 today). Gold-to-silver ratio shows extremes indicate gold overvalued or silver undervalued. Currently gold room to fall or silver to grow; can't create more silver.
Gold tracks inflation; inflation adjusted back to 1980s levels 50 years ago. Short bursts make money, long-term more optimistic equities.
Fail safe: 20% in tax-free muns and treasuries earning 3.5-5.3%. Take advantage opportunities. If market falls, cash to buy in. If higher, monthly income. Less than S&P 500 hindsight, but peace of mind, playing not to lose.
AI valuations frothy, speculation, but not stopping buying, maybe beginning. No timing market.
Bitcoin: 10-15% portfolio in ETF, amount willing to risk to zero, long-term optimistic digital store of value. Fed prints more money, not holding dollars next 10 years.
Analyst consensus 2026: no one asset explode or collapse, lower choppier returns, more volatility, fewer easy wins. Rewards consistency, patience, discipline. Punishes chasing headlines, overlever, outsmarting. Easiest: diversify, keep buying, don't panic drops.
Strategy same: buy consistently, diversify index funds. Check Rocket Money description.
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