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How Should I Invest Today?

Clients often ask me for advice on how to invest xxx$ amount, and for the time being I would recommend this model portfolio:

  • 20% crypto assets
  • 20% gold/silver
  • 20% property
  • 20% stocks
  • 20% bonds

Utilise low cost index ETFs bought via a reputable low cost Internet broker to maintain liquidity and minimise fees and transaction costs. Further resources on that here.

A well diversified crypto-portfolio could look like this:

  • 30% bitcoin
  • 20% ethereum
  • 10% bitcoin cash
  • 10% litecoin
  • 10% sol
  • 10% bnb
  • 10% ada

Or take for example the top 10 of the largest and most reputable crypto-currencies here.

To eliminate hacking risk, use only reputable crypto-exchanges for storing your crypto assets combined with offline security devices, USB or offline paper wallet devices such as ledger nano s, Trezor, or make your own hardware wallet.

investment crypto bitcoin

You might also have heard of the Ray Dalio’s All Weather portfolio, with the relevant statistics for the 30 year period from 1984-2013, courtesy of Tony Robbins:

  • 9.7% annual returns
  • You would have made money 86% of the time (so only four down years)
  • Average loss of just 1.9%
  • Worst loss was -3.9%
  • Volatility was 7.6%

Here’s the asset allocation that Dalio came up with for this strategy:

  • 30% Stocks
  • 40% Long-Term Bonds
  • 15% Intermediate-Term Bonds
  • 7.5% Gold
  • 7.5% Commodities

Note though that Ray Dalio’s All Weather portfolio is very debt heavy, and the bond market’s bullrun of the reported period is now over.

We are also entering potentially a very volatile period with global asset write-downs and devaluations, hence the more defensive model portfolio should be considered.

Along with the above recommended asset allocation, proper implementation, periodic monitoring and rebalancing of your porfolio is of utmost importance.

Now some advice on prudent monthly cashflow management. Depending on your monthly income, you can organise your accounts in the following categories:

  • 30% NEC – necessities such as rent/mortgage, food and bills
  • 30% FFA – financial freedom account
  • 30% LTS – long term savings for specific goal
  • 5% EDU – education or learning new skills
  • 2.5% PLAY – having fun and enjoying life
  • 2.5% GIFT – gifts to charities or other worthy causes.

There you go, -full information revealed to manage your investment portfolio as well as your monthly cashflow DIY !

If this all seems a bit overwhelming to you, please get in touch, and your friendly Cruelty Free Wealth facilitator will be happy to help out.

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There Are Ultimately No Secrets

vegan wealth

A new scientific paper from the University of Bonn reveals strong statistical evidence that our reality or universe is really a grand simulation.

For example you may have noticed your cat looking around, behind and next to you often, staring at seemingly nothing, yet the cat’s eyes will follow ‘something’. Cats can simply see energies, i.e. frequencies, ghost or spirits if you will.

Cats are considered by many as symbols of mysticism because of their elegant and flexible body, as well as their gaze that can “magnetize” anyone… Indeed, as recent scientific data shows, there is another reason why cats have a title of ‘mysterious’ creatures. It’s all because cats see things we cannot see with our eyes! Hence your cat’s behavior might be a reasonable indication that many beings in other dimensions are watching you right now!

So what does all this mean in terms of the way you live your life here on Earth? Know that your behavior is being watched, recorded and judged. There are ultimately no secrets. You will, in time, face judgment on all your actions, and it’s even possible that an entire civilization will review your actions with you. (This is what is often described by those who survive NDEs.) Your actions in this simulation are recorded on your soul for eternity, so make them count. Don’t do anything your soul would feel ashamed of.

If you believe the universe really is a grand simulation, then it forces you to rethink your philosophy on the purpose of life.

  1. Don’t chase material things that aren’t even real in the first place. You are living in a simulation that’s as un-real as an old 8-bit Atari computer game. Your focus on trying to collect money and wealth in this world is about as foolish as trying to collect gold coins in a role-playing computer game.
  2. Live your life to WIN the simulation. “Winning” means persistently working to defeat evil, demonstrate love and help awaken others. Rack up your “karma” points, so to speak. Because that’s how you will be judged once your earthly life comes to an end.
  3. Know that death is not final. What matters far more than staying alive on this planet is living your life with principle. Your decisions (ethics) survive your human life! I would rather die defending principles of love and enlightenment than compromise those principles to save my own skin in this simulation. Life is fleeting, but the record of your morals and behavior lasts forever.
  4. Realize that your consciousness is eternal and you almost certainly “agreed” to come here and experience this life as a spiritual test. With that in mind, do your best to achieve success within the test by demonstrating behavior based in high spiritual principles.

Hence as vegans our purpose is to promote and facilitate an abundant and cruelty free lifestyle as a way of self-actualization & self-transcendence.

“Your outer world is a representation of your inner world.”

How the abundant cruelty free consciousness moves in the world is illustrated in the map of the interior and exterior of the individual and the collective respectively. Read more.

Lest We Forget

A great reminder from Russell Brand – Awakened Man

Are you at risk of outliving your savings too?

Most Australians spend 107% of their income, 82% of Australians currently retire on a pension, 8 out of 10 Australians don’t believe they have enough super to live out their years.

Are you being a good steward of your life? Do you take action to ensure your money will outlive you, and not the other way around?

The Best DIY Retirement Planning Tool

retirement planning

It’s nice and simple to use; click the link above and just plug in a few numbers such as your current age, desired retirement age, your current savings, savings per month, estimated investment returns, inflation and tax rates, and of course withdrawals for retirement and other cost of living such as school fees.

The Flexible Retirement Planner uses stochastic optimization of the retirement portfolio asset allocations and withdrawals, since this is considered the only method providing a realistic simulation taking risk into account. [read more]

It is simply the best DIY retirement planning tool out there, and it’s totally free to use. Due to the compounding effect of interest and investment returns sooner you get started the better.

Should you need a bit more help, feel free to get in touch 🙂

Get started today on a proven path to ethical prosperity with no obligations!

Sign up for free

Burning Clean: An Enlightened Perspective on Activism

activism1

How can you be a game-changer, an effective activist, and at the same time, congruently live a conscious spiritual life, in full alignment with your highest values? Is it about turning the other cheek? Is it an eye for an eye? Or is it all love and light? What is a more enlightened perspective on activism?

In this 11 minute Q&A, Craig Hamilton, founder of Integral Enlightenment talks about ‘burning clean’:

Integral Enlightenment is an authentic, contemporary approach to spiritual practice designed to bring about a total transformation of our humanity. Founded by evolutionary pioneer Craig Hamilton, Integral Enlightenment seeks to revitalize and update the spiritual path to meet the evolutionary needs of humanity in the 21st century. It was born out of the recognition that, although there is much about Truth that is timeless, the world has changed in the millennia since the birth of the great religions.

http://www.crueltyfreewealth.com/wp-content/uploads/2016/02/craig-hamilton-on-enlightened-activism.mp3

May this talk inspire you on your path to abundance and enlightenment!

Cruelty Free Wealth is a proven path to ethical prosperity for everyday working Australians, starting from where you are, only with what you have got right now. Get started for free with no obligation.

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Recent Posts

  • How Should I Invest Today?
  • There Are Ultimately No Secrets
  • Lest We Forget
  • Are you at risk of outliving your savings too?
  • Burning Clean: An Enlightened Perspective on Activism

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