I'm currently investing mostly in 11-15% return rate (not adjusted for tax and fees) loans, VOO (actually, it's VUSA, because I'm in Europe), and Bitcoin.
I also have a savings account with an APY fluctuating between 2,99-4,5%, but it's around 3 and 3,4% around 95% of the time.
I'm planning to buy shares for Microsoft, Nvidia and ExxonMobil.
Is my strategy good? Yes, I know crypto is risky, but I'm fine with taking risks, because I'm racing against time. The goal is getting rich ASAP.
Basically, I can't decide whether to replace the savings account with a dividend ETF, such as Dividend Aristocrats, or not. If such ETFs pay similar percentage like the APY, is there a point in replacing the savings account with a dividend ETFs?
What I want to achieve right now, is to boost the money numbers of my passive income. Problem is, I can't decide what to do, because there are so many different options.
Any advice?