The wealthiest investors don’t need to keep looking for the next moonshot. Some of the most successful billionaires, such as Bridgewater Associates founder Ray Dalio, are now putting money into exchange-traded funds (ETFs) that track the market, while retail investors continue to chase speculative cryptocurrency bets that burned through large chunks of their cash in 2024 and 2025. Less speculative crypto assets such as Bitcoin (Cryptocurrency: BTC) and Ethereum (Cryptocurrency: ETH)and its recent performance relative to the rest of the market has not necessarily been that good.
So these different investor camps can’t all be right about which assets will be worth more by 2035. Let’s take a look at which method is worth your investment.
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When billionaires buy market tracking tools like this SPDR S&P 500 ETF Trust (NYSE: SPY)they obviously don’t want to beat the market. After all, they are not speculators buying lottery tickets.
Still, their conservative bets tend to pay off. Over the past century, S&P 500 Index That has produced an average annual return of about 10% for those who reinvested the dividends; in the last 10 years, it’s returned nearly 15%.
For those who haven’t been exposed to broad index funds, it might be a good idea to buy some. Owning an asset with exposure to the 500 largest U.S. companies insulates you from the failure of any single business or narrative, while it allows your portfolio to maintain at least some growth.
Cryptocurrencies should also have a place in most investment portfolios, but it’s much smaller than index funds warrant. Additionally, many investors tend to invest in the least reputable assets in the sector rather than those most likely to make them richer over time — a mistake billionaires rarely make.
In 2025, the market value of Meme coins plummeted, with 90% of the top Meme coins devaluing significantly. Retail investors who chased these cryptocurrencies got burned, but they will still get burned again even if there are better options.
For example, Bitcoin is an asset with a limited supply that also tends to act as an index-like bet on the entire crypto industry. Beyond this, Ethereum plays a parallel role in the decentralized finance (DeFi) space of cryptocurrencies, as it hosts approximately $53 billion of the $92 billion total value locked (TVL) across all DeFi protocols.
