Where I Invest My Money Monthly (And Why)
💸 Where I Invest My Money Monthly (And Why)
When I first started investing, I had no clue where to begin. All I knew was—I didn’t want to waste time or money. Now, I follow a simple, consistent strategy each month, and in this post, I’ll break down exactly where my money goes and why I choose these investments.
🧠 1. Index Funds – The Foundation
Where: VOO, SCHD, VT
Why: These funds give me instant exposure to hundreds of top-performing companies. VOO tracks the S&P 500, SCHD focuses on dividends, and VT gives me global diversification. Low risk. Steady growth. Perfect for the long term.
📊 % of Monthly Investment: 40%
⚡ 2. Tech Growth – Future-Focused
Where: QQQ, AAPL, MSFT, NVDA
Why: I believe tech is the future. These companies are changing the world—and I want a piece of that growth. I don’t go all-in, but I invest consistently.
📊 % of Monthly Investment: 25%
💼 3. Dividend Stocks & Income
Where: JEPI, SCHD
Why: I like seeing cash hit my account even while I sleep. Dividend stocks give me passive income, and JEPI adds stability with options.
📊 % of Monthly Investment: 15%
🏢 4. Real Estate Without Buying Property
Where: VNQ
Why: I can’t afford real estate (yet), but I still want in. VNQ lets me invest in real estate investment trusts (REITs) with low fees.
📊 % of Monthly Investment: 10%
🌍 5. Crypto – Small, But Strategic
Where: Ethereum
Why: I invest only what I can afford to lose. Crypto is volatile, but I believe in the long-term use cases—especially Ethereum.
📊 % of Monthly Investment: 5%
💬 Final Thoughts
You don’t need a ton of money to start investing—you need consistency and a plan. My strategy works for me because it’s balanced, diversified, and simple. Steal what makes sense for you, and tweak the rest.
If you’re not sure where to start, try index funds. They’re simple and proven.
