May 2025 Asset Allocation

Valentine’s Day 2025 was the highest point of my net worth ever.

I almost reached a silly significant number on that day. It felt euphoric. I was a genius!

But maybe that was simply Cupid tickling my little heart.

“The market giveth and the market taketh away. Amen.”

Since those mid-February highs in tech stocks, I’ve seen significant sell-offs in my basket. My total assets dropped considerably from that high-water mark, and bigly on certain days.

Warren Buffett has said that “the stock market is a device for transferring money from the impatient to the patient.”

I am extremely patient, perhaps to a fault, with my largest holdings. I believe them to be quality companies with growth potential. Time will tell.

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Asset Allocation

84% stocks,
8% real estate,
5% cash,
3% other.

Disclaimer: My asset allocation is extremely risky. But I’m unmarried, with no kids, so… yeah. I share this information publicly to encourage others to do the same. This is not investment advice.

Notes

A few random items of interest:

• Last update I mentioned that I wanted to divest some of my $VEA. I did not. It was down, and now it is up again. I don’t know what to do. Like most of my holdings, I generally benefit from not doing anything. So I continue to hold it.
• The commercial property investment in Montana from my last update did not pan out. I tried my best, but alas.
• Cash is generating 4.13% in a money market account.
• My numbers not fully accurate. I carry real estate at my basis, and an equity fund that I have 6% of my net worth in reports late and is not updated here.

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Stocks

Largest holdings as a percentage of total assets:

• 26% $NET — Cloudflare
• 8% $AMZN — Amazon
• 7% $TSLA — Tesla
• 5% $VEA — Vanguard Developed Markets ETF
• 5% $GOOG — Google
• 4% $PLTR — Palantir
• 4% $IVV — S&P 500 ETF
• 3% $BRK.B — Berkshire Hathaway

See the Investing page for more. Or past asset allocations.

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Real Estate

Here’s a quick stab at updates on four of my investments:

Hotel in Colorado: significant occupancy increase compared to the same period last year. Year-over-year, NOI improved considerably. Healthy cash position.

Motel in Colorado: strong performance with improved guest satisfaction. Significant net profit increase. Some upcoming maintenance required.

Warehouse in Wyoming: Operations are smooth. The asset is stabilized and rent revenue doubled with successful renewals at market rates. Perhaps my second-best real estate asset, after the cold storage facility in New Jersey. One small tenant vacated with negligible impact on cash flows.

Land in Montana: Will roll this into workforce-focused housing development on the land that was acquired in 2022. Conservative projections show a 15.86% IRR, but I’m carrying it at my basis. First completed units anticipated in Fall 2026.

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THE END

See my Investments page for more information and interesting articles on my personal site.