24 y/o, recently laid off. I intend to travel for a year before entering back into the workforce. Here's a breakdown of my current assets. I recently cashed out my company's RSU's + received severance, so I have 2x more than usual in my checking.
| Asset | Amount | Percentage of Total |
|---|---|---|
| Checking / Cash | $87,122.70 | 18.05% |
| Traditional Investments (taxable brokerage), invested in VTSAX | $236,820.33 | 49.07% |
| Retirement accounts (IRA/401k) invested in S&P 500 | $98,702.84 | 20.45% |
| Bitcoin | $60,000.00 | 12.43% |
I would like to aggressively target a Bitcoin-focused allocation of around 70-80%. I want to sell off the taxable brokeage investments in January, and reallocate retirement accounts to a Bitcoin ETF. I mistakenly allocated to much of my portfolio into my retirement accounts (I feel that it is sort of a scam to have my money locked for so long…). I've been trying to understand the tradeoffs between Microstrategy and Bitcoin, and haven't been able to make a conclusion on it. I understand that Microstrategy will be more volatile and more leveraged, with better chance of returns, but I don't know how to evaluate the counterparty risk. And there's also the question if just doing spot Bitcoin will set me enough for life already, if Bitcoin performs well, thus it's not worth taking the risk on Microstrategy.
Please save yourself the time scammers, I won't be responding to DM's.
Should I invest in Bitcoin or Microstrategy?
byu/sirensoflove inBitcoinBeginners
Posted by sirensoflove
14 Comments
I would stick to Bitcoin, although MSTR could provide more returns it is very risky since he is basically taking on massive debt and if anything goes wrong the company could collapse. I wouldnt put any real money into MSTR, it seems like Sailor wants Bitcoin to succeed too much and it may be clouding his judgement. We all want more Bitcoin but I’m not gonna take on massive debt to aquire it, the whole thing is a little shady, I would stay away. By the way you’re doing amazing for 24. You’re going to be great long term either way as long as you diversify which it seems like you’re doing. Don’t forget to buy some physical gold and silver.
Given that we’re in a bear market right now, I would hold off until a clear bottom signal is hit.
Bitcoin is bitcoin. Strategy is Michael Saylor’s view of how to sell financial products fueled by bitcoin. The stock will do well if that view is and stays correct. I’m not saying that’s a bad thing, but you are not investing in bitcoin – you’re investing in Michael Saylor. Personally I trust the math more than the person. Make your own investment decisions but just be aware the two are apples and oranges.
Wait 10-12 months and buy real BTC. Now isn’t the time to buy. Aim to buy between 50 and 70k usd. MSTR is basically a leveraged play, quite risky compared to holding yourself.
In the meantime. Learn about BTC cycles. Learn as much as you can. And when you buy; Dont look at the charts every day. You need to have the stomach to be able to handle volatility and be patient until next halving cycle plays out.
I would only invest in Bitcoin.
I’d recommend self-custody, though. Buy Bitcoin on Strike or HodlHodl, and then withdraw to a wallet you control.
Bitcoin is the only true digital asset that you can fully “own” (by storing your own private keys). You should make use of this property and not treat it like just another stock.
Bitcoin.
Why to invest somewhere where your invest is invested at the same thing where you could invest your own?
Only Bitcoin.
MSTR is the only single stock I ever bought, just to try it out. Currently 61% down so you know what I’m not going to do ever again.
I started with MSTR (now strategy), and since september I’ve been buying BTC on a platform.
My plan is to hold my small position in strategy, and accumulate BTC monthly. I want to get confident with BTC and learn about self-custody then I’ll send all the BTC to my own storage, but I’m not ready yet.
Long term I expect I’ll close strategy and get to about 2% of my net worth in BTC.
Bitcoin
Maybe both? 80/20? I personally want Bitcoin. I like to have it in my own storage. I take full custody, full responsibility.
I can see why others would prefer an ETF or DAT though.
Even Michael Saylor says if your time horizon is 4 years or greater… to just go Bitcoin.
You don`t own or control any bitcoin with Microstrategy. Microstrategy could just fail tomorrow and move Bitcoin to another company you don`t even have stock in.
If you can create new fake USD from thin air that cannot leave the stock market, then buy MSTR.
For any other situation, self custodial satoshis.