💸 Where I Invest My Money Monthly (And Why)
When I first started investing, I had no idea where to begin. I just knew one thing — I didn’t want to waste time or money chasing hype or making rookie mistakes.
Now, I follow a simple, consistent investment strategy every month. In this post, I’ll show you exactly where I invest my money monthly, the percentages I use, and why I chose these investments. Where I invest my money monthly
🧠 1. Index Funds – My Foundation for Long-Term Wealth
Where I invest:
Why I invest here:
These index funds offer broad diversification, low fees, and strong historical performance.
- VOO tracks the top 500 U.S. companies — a go-to for long-term growth
- SCHD focuses on high-quality dividend stocks, which helps generate passive income
- VT gives me exposure to global markets beyond just the U.S.
📊 Monthly Allocation: 40%
Index funds are my core — they grow with the market and require zero guesswork.
Related post:
👉 How to Start Investing with Little Money
⚡ 2. Tech Growth – Betting on the Future
Where I invest:
Why I invest here:
Tech companies are innovating at warp speed, and I want a slice of that potential upside.
- QQQ gives me exposure to 100 top tech stocks
- AAPL, MSFT, and NVDA are giants shaping the digital future
📊 Monthly Allocation: 25%
I limit my exposure here to reduce volatility, but stay invested to ride long-term growth.
💼 3. Dividend & Income – Getting Paid to Hold
Where I invest:
- JEPI (JPMorgan Equity Premium Income ETF)
- SCHD (again — for double dividend power)
Why I invest here:
I love when cash hits my account without selling a thing. Dividend-paying stocks let me:
- Earn passive income
- Reinvest for compound growth
- Add stability during market dips
📊 Monthly Allocation: 15%
JEPI combines stock exposure with an income strategy using options — perfect for income-focused investors.
Related post:
👉 Best Dividend ETFs for Monthly Income (coming soon)
🏢 4. Real Estate (Without Owning Property)
Where I invest:
- VNQ – Vanguard Real Estate ETF
Why I invest here:
I don’t own property yet, but I still wanted real estate exposure.
- VNQ invests in REITs (Real Estate Investment Trusts)
- Low-cost way to invest in commercial and residential property markets
- Pays dividends and adds diversification
📊 Monthly Allocation: 10%
If you can’t buy real estate yet, REIT ETFs are a smart entry point.
Related post:
👉 How to Invest in Real Estate Without Buying a House (coming soon)
🌍 5. Crypto – Small but Strategic Bet
Where I invest:
- Ethereum (ETH)
Why I invest here:
I’m cautious with crypto — but I believe Ethereum has long-term potential due to its use in DeFi, NFTs, and smart contracts.
I only invest what I can afford to lose, and I don’t chase pumps.
📊 Monthly Allocation: 5%
Crypto is volatile, but a small stake gives me exposure to emerging digital finance trends.
Related post:
👉 Should You Invest in Ethereum in 2025? (coming soon)
🔄 My Full Monthly Allocation Strategy (Visual Breakdown)
| Investment Type | Assets | % of Monthly Budget |
|---|---|---|
| 🧠 Index Funds | VOO, SCHD, VT | 40% |
| ⚡ Tech Growth | QQQ, AAPL, MSFT, NVDA | 25% |
| 💼 Dividends & Income | JEPI, SCHD | 15% |
| 🏢 Real Estate (REITs) | VNQ | 10% |
| 🌍 Crypto | Ethereum | 5% |
| 🔒 Uninvested Cash | Robinhood Cash Sweep (4.9%) | 5% (optional) |
💬 Final Thoughts: Build Your Own Plan
You don’t need thousands of dollars to start investing — you need a system.
My strategy works because it’s:
- Balanced across sectors
- Focused on growth + income
- Easy to automate and stick to
Steal what makes sense, tweak what doesn’t, and start with what you have.
If you’re lost on where to start?
Start with index funds like VOO and SCHD — simple, low-risk, and proven.
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