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Normally on these Saturdays, I'm giving
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you the news from the past week. But
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this Saturday has to be a little
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different because earlier this week, I
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actually just got married. And so when
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this video comes out, I'll actually be
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on my honeymoon. So I wanted to give you
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something else that you've been asking
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for. And that's an update on my
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portfolio midyear here in July of 2025.
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I've made a couple of big changes here
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in the portfolio. And so, I hope this
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helps you so that you can see what I'm
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doing and that'll help inform your
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research and maybe put together a great
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portfolio for yourself. I'm going to
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break down all of the percentages of my
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portfolio and give you each and every
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ETF, stock, cryptocurrency, every little
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piece so that you can have a full
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understanding of what I'm invested in.
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I'm also going to give you my thoughts
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on where the rest of this year is going
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in the stock market and how I'm going to
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invest specifically and it's probably a
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bit different than what you're
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expecting. Let's get right to it. My
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name is Nolan Goa. My students call me
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Professor G, and I made this channel to
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make investing simplified. So, first is
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the overall buildup of my portfolio. I
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always tell my personal investing
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clients that investing in equities is
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great, but eventually you're going to
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want to have a couple of different asset
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classes within your portfolio. I
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recommend at least three, but five would
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be amazing. Different assets to invest
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in would be equities or ETFs/stocks,
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commodities like gold and silver, real
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estate, cryptocurrency, bonds or cash
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equivalents, business equity, and then
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alternatives like paintings or resailing
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sneakers or collectible cars. The goal
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is to have multiple types of
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appreciating assets because if one asset
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class gets hit hard in a recession or
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something, the other types could keep
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you afloat. My personal portfolio has
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physical real estate, equities, cash and
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cash equivalents, crypto, and business
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equity. For this illustration and for
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this video, I'm going to omit the whole
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part about the business equity because
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it's kind of confusing. I have a couple
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of different businesses, and I don't
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really want that to take up the portion
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of what I'm trying to get across to you.
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though business income is definitely my
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main wealth driver. And through my
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multiple businesses, I do have about six
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streams of income, which I can go over
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in a different video if that's something
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that you're interested in. So, within
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the other four asset classes, this is
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what my portfolio looks like. My high
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yield savings account/brokerage money
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market is about 5% of the whole
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portfolio. Physical real estate, which
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is two houses, is 29% of the portfolio.
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Crypto is 11% and then ETF/stocks is
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55%. And I'm interested to hear your
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portfolio breakdown. Go ahead and
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comment that down below so we can show
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each other the different types of things
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that people invest in and give people a
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good idea so that they could maybe try
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that out. So now I'm going to dive
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deeper into each one of those four
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categories so you can have a better idea
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of exactly what I'm doing in each. So
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first is definitely the most simple and
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that's my high yield savings account and
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brokerage money market account. This is
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also arguably the most important to be a
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very solid smart investor. You need to
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have an emergency fund and you need to
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have some cash off to the side just in
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case something crazy happens in the
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stock market or your other asset classes
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where everything drops and at least you
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have a portion that's nice and safe. I
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always recommend having at least three
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months worth of living expenses. Now, I
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personally have a good solid job as a
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university professor and then I also
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have a couple of businesses. So, my
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income is pretty stable and pretty
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solid. If I only had one job, I'd want
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at least 6 months of living expenses for
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someone my age, but for me, I feel fine
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with 3 months. I stash that in a high
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yield savings account at Capital 1
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because that's an easy and safe
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platform. I also hold some cash in the
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money market in my investing account.
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This cash is for any dip that might
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happen in the market. And that's
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probably going to happen here in 2025,
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which I'm going to go over near the end
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of this video. But just know that I have
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a portion of that cash in a high yield
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savings account, and that's pretty much
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just my emergency fund. I just don't
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ever touch that. Then the other portion
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of cash in the money market is for use
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down the road, but for now, it's just
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holding it there just in case a dip
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comes. Next is the physical real estate.
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I have one rental property along with my
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primary residence. The rental property
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that I own is a long-term rental, and
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I've owned it for about 5 years now, and
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it's a great source of cash flow. In the
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time that I've owned that home, it's
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appreciated about $200,000.
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And the people that have been renting it
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out have paid down my mortgage of around
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$100,000. Real estate definitely can be
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a headache. I have had those calls first
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thing in the morning where the
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sprinklers just don't turn off or
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there's a flood of some sort or
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something breaks and you have to go and
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fix it right away. but it has
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appreciated or given me equity of about
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$300,000 in about five years. So, I am
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excited about that. Next is crypto. And
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my crypto is mostly Bitcoin. I bought a
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bunch of different cryptocurrencies back
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when I first learned about it in 2016.
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And since then, I've been doing deep
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dives into the whole industry. And
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really, what I'm seeing is that I really
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believe in Bitcoin long-term. I kind of
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believe in Ethereum. The rest of them
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are just up in the air and they're just
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too much of a risk for me at this point.
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I believe with all the craziness
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surrounding the ddollarization worldwide
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and with crazy unsustainable inflation
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and money printing, Bitcoin makes more
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and more sense long-term. My crypto
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portfolio looks like this. 80% Bitcoin,
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12% Ethereum, 5% Cardono, 3% in XRP,
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Chain Link, Madic, and Vchain. Now for
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the biggest portion of my portfolio,
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which is my ETFs and stocks. I have a
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403b through my university. I have a
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Roth IRA that I do backdoor Roth
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conversions each year. I have a solo
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401k through my business. And then I
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have a taxable brokerage. At this point,
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my retirement accounts equal out to
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about 64% of my equities portfolio, and
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my taxable brokerage makes up about 36%
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of my portfolio. I'm going to lump
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everything together here so that I can
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just show you and explain to you fully
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what my positions are because it does
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get a little weird in between each
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different account. So, I'm just going to
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put all of those together. My largest
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holding overall is the S&P 500. That's
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the thing that I have the most exposure
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to basically because the 403b through my
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university has terrible options and the
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only one that had a pretty low fee but
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has great solid performance is the S&P
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500. So my 403b is 100% S&P 500. So
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overall in this section the S&P 500
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makes up 42% in the form of mutual funds
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from the 403b and then VU in other
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places. Then for my safer portion or the
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dividend/value section this makes up
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26%. SCD is my biggest holding here at
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22% of the entire portfolio and then the
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other 4% is made up of Birkshire
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Hathaway. I consider Berkshire a value
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style investing just because the Beta is
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actually lower than the S&P 500 and it's
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been solid and sustainable for the life
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of the company. It's also becoming my
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largest individual stock holding by far
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in my portfolio. For the growth portion
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of the portfolio, this makes up 32%. I
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have CHG at 12%, QQQM at 12% and then I
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hold various stocks at the final 8%. In
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order of largest holding to smallest, I
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have Microsoft, Apple, Palunteer,
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Google, SoFi, and most recently, APLD.
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If you notice in my portfolio, I
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practice exactly what I preach to you
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guys every single week. I keep it to
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three categories: foundational, value,
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and growth. I stick to 85 to 90% ETF
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investing with a smaller portion of the
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portfolio in individual stocks. I mix in
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some riskier stocks with some blue chip
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stocks. And most importantly, I built
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out an overall portfolio mix that makes
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the most sense with my risk tolerance,
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my personality, my goals, and kept in
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mind the other assets I have in order to
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not add too much risk. If you hold
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something like 30% of your entire
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portfolio in cryptocurrency or something
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that's quite speculative and then in
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just the stock portion of your
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portfolio, you have 50 or 60% in growth
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stocks or something speculative there.
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You have to add those together and just
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look at it and say, "Wow, overall I have
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a lot more risk than anything else." And
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so make sure to look at everything, not
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just your stock portfolio or just your
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crypto portfolio. So now looking forward
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to the rest of the year. The reason why
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I'm holding a small portion of my cash
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in the money market like I was talking
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about from before is because this year
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we're still not out of the woods yet. We
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likely have many more instances of bad
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news coming with the trade wars, actual
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wars worldwide, tariffs, and much, much
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more. I believe that the rest of 2025
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will be rocky, but we are definitely
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setting up for a very solid and probably
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highly profitable 2026 and definitely
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2027. For this reason, I do want to get
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all of my investable amount of money
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invested by 2026, just not necessarily
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today. Knowing there may be more bad
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news coming, I think we will see four to
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five more dips in these next months.
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When a dip happens of 3 to 5% or more,
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I'm going to allocate a portion of that
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money in the money market account. If it
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dips 5%, I'll throw in 25% of that
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money. If it dips 10% or more, I'll
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likely throw in almost all of it.
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Honestly, we've seen this year how it
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goes. Big dip from emotional
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decision-making and then within months
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the market is corrected. I think we're
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going to see more of the same. And so,
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those of you that invest while others
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are scared will be the ones to win. On
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top of that though, I'm going to be
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dollar cost averaging every single month
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no matter what. Even at highest highs
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with my investable amount of money each
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and every month, I'm still investing
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that money. I'm just taking a very small
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portion and putting that into the money
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market for those dips. But for the vast
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majority of my money that I can invest
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each month, I am doing so even with
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prices as high as they are. To give you
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more of a simplified visual for you, say
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I have $1,000 to invest each month. 80%
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goes into investing in the three
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categories that I showed from before.
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and then about 20% goes to the money
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market in anticipation of a possible
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dip. I will say that if December comes,
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the end of 2025 comes and none of these
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dips have actually happened, I'm going
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to take all of that money that's sitting
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there in the money market specifically
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for dips and I'm going to allocate it
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into the market so that it's in there by
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2026. With midterms coming in 2026 and a
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new Fed chair being appointed mid2026,
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I really think the stock market will be
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booming and there's a lot of money to be
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made, especially starting that year. Let
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me know what you think down below and
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then watch this video specifically if
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you're very serious about investing, you
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want to take that investment account to
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the next level or watch this one to keep
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you going strong in investing and keep
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investing simplified.
