If you thought that 2020 was a rollercoaster, my hunch is that 2021 has something special in store for us.

Barely one month in, the (former) democratically elected President of the United States fumbled Order 66. The S&P 500 and Bitcoin hit their all-time highs. “Meme stocks” became accepted financial jargon. A bunch of anti-establishment retail investors brought Wall St hedge funds to their knees. And as I write this, the global supply of silver is in the midst of being controlled by a subreddit.

The point I’m trying to make is that the future is uncertain and as Nassim Taleb would say, I make no time for the “charlatans” who think they can map it.

As a twenty-something-year-old, I have found myself asking what this means for my own fledgling asset portfolio. The financial press swivels between warnings of unchecked hubris followed by explanations of why “this time is different”.

Meanwhile, there seems to be an endlessly tantalizing buffet (pun-intended) of growth stocks, IPOs, SPACs, Bitcoin, Altcoins and meme stocks to choose from. It’s difficult to decide whether to play it safe or go all-in on the latest trend.

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