I make about $30K per month trading short-term options where do I start investing long-term?
I am 31 (U.S.). I do short-term options trading and, on average, I make around $30K every month (some months are bigger than others).
I had started with $30,000 and the first phase was quite tough for me as I was overtrading, oversizing, and I gave back my gains more than once. Finally I stopped the nonsense, got a lot stricter with size, and kept it simple. Since then I have been a lot more consistent. I’ve even helped a couple of friends to straighten out their rules/habits (not selling anything).
At the moment, I have around $240K sitting liquid and that’s the problem. It keeps accumulating and since I don’t have a normal investing plan, it just stays there.
What I really want: a boring setup that runs in the background so I am not forced to trade forever.
Stuff I am looking at (I am totally open to being told to simplify this):
\- cash / short-term parking: HYSA, T-bills, CDs, money market, Treasury ETFs like SGOV / BIL / USFR
\- long-term index funds: VTI / VOO / ITOT, plus international like VXUS / IXUS (or just VT)
\- bonds (if I should have them): BND / AGG, short Treasuries VGSH / SHY, intermediate IEF, inflation-protected TIP / SCHP
\- income-ish funds maybe: SCHD / VIG
\- real estate exposure: REITs like VNQ / SCHH OR