3 Ways to Invest $1,000,000

Your Money Guide on the Side

Tyler Gardner

Business, Education, Entrepreneurship, Investing, How To

4.9 • 2.4K Ratings

🗓️ 26 May 2025

⏱️ 33 minutes

🔗️ Recording | iTunes | RSS

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Summary

And in case you missed it, check out last week's episode of Your Money Guide on the Side with Andrew Tobias where we answer the question, What is the easiest way to become wealthy? You've hit the million-dollar mark—now what? In this episode of Your Money Guide on the Side, we tackle the deceptively simple question: how should you invest a million dollars? This isn’t about theoretical asset allocation or textbook strategies. It’s about real lives, real goals, and real risk tolerance. We meet three investors—Chad, Nina, and Marge—each at very different life stages, each with a radically different approach to putting their wealth to work: Chad Slater, the thrill-seeking ex-startup bro who wants asymmetry, optionality, and upside. His portfolio is bold, volatile, and aggressive—global equities, venture capital, and yes, crypto. Nina Ellington, the grounded creative director turned Pilates instructor who wants growth without chaos. Her diversified, resilient mix of stocks, bonds, real estate, and alternatives prioritizes balance and autonomy over adrenaline. Marge Buttersworth, the sharp, independent retiree who wants reliability and peace of mind. Her income-focused portfolio features bond ladders, dividend stocks, and high-yield cash vehicles—designed to pay her, not stress her. These are not just asset allocations. They are reflections of who these people are, what they value, and what they need their money to do for them. 💡 Along the way, we explore key questions: How soon will you need the money? How much risk can you stomach? Are you trying to grow, preserve, or withdraw from your portfolio? And if you stick around until the end, I share exactly how I invest my own money—no hype, no secrets—just a simple, transparent walk through my personal allocation and why I chose it. 📌 In this episode, you’ll learn: 3 distinct investing strategies for $1M portfolios How risk tolerance, time horizon, and goals shape allocation The truth about fees, diversification, and asset class correlation Why your neighbor’s portfolio has nothing to do with yours How to evaluate your definition of enough 📬 Bonus: If this episode resonates, subscribe to my free weekly newsletter for deeper dives and personal stories at tylergardner.com 🎙️ Disclaimer: I’m not your financial advisor—I’m your guide on the side. Everything here is for educational purposes only. Always do your own research and consider working with a fiduciary advisor who understands your unique circumstances.

Transcript

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0:00.0	These aren't just investing strategies. These are reflections of different lives, values, and definitions of enough.
0:10.0	And that's the whole point. There is no one-size-fits-all portfolio because there is no one-size-fits-all life.
0:18.3	And anyone who tells you otherwise is trying to sell you something.
0:22.6	The right approach starts not with numbers, but with universally applicable questions.
0:28.0	Hello, friends. This is Tyler Gardner, welcoming you to another episode of your money guide
0:33.0	on the side, where it is my job to simplify what seems complex, add nuance to what seems simple,
0:39.2	and learn from and alongside some of the brightest minds in money, finance, and investing.
0:44.6	So let's get started and get you one step closer to where you need to be.
0:49.8	In this week's episode, we're asking literally the million-dollar question.
0:56.7	Once you hit that millionaire status, once you achieve this illustrious milestone,
1:03.5	and once you have amassed that magical number that for some reason continues to just make people feel like they've somehow solved the money game.
1:12.6	Well, what now? How do we invest that million dollars to continue to thrive? How do we invest
1:20.1	that million dollars so that the allocation strategy ultimately aligns with our stated goals,
1:26.7	risk tolerance level, and time horizons.
1:30.1	In this episode, I will show you three approaches to investing a million bucks. And if you hang
1:36.3	around until the end of the episode, I will even share with you exactly how I invest my own money
1:42.0	and why I invest my own money in the way that I do. But before we get
1:47.4	into it, let's start with the hopefully obvious refrain by now. There is no one size fits all. Personal
1:54.8	finance is and always will be personal. And what works for me may not work for you. And what works for current you may not
2:04.4	work for future you. So even though the goal of this episode is to provide an in-depth exploration
2:10.6	and analysis of three key investing philosophies and concrete approaches, all of which can be used by any person at any time.
2:20.1	You always, always want to make sure to do your own research and to appreciate your own
	...

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