Billionaires Are Loading Up on Index Funds While Retail Investors Chase Crypto. Here's Which Side I'd Bet on for 2035.​

Core Insights - The article highlights the contrasting investment strategies between billionaires, who are investing in ETFs, and retail investors, who are pursuing speculative crypto assets [1][4][7]. Group 1: Investment Strategies - Billionaires like Ray Dalio are investing in market-tracking ETFs, indicating a preference for stable, long-term growth rather than speculative investments [1][4]. - The S&P 500 has historically provided average annual gains of approximately 10% over the past century, with recent returns near 15% over the last decade, showcasing the effectiveness of conservative investment strategies [5][6]. Group 2: Crypto Market Analysis - The crypto market has seen significant volatility, with the meme coin market cap crashing in 2025, resulting in 90% of top meme coins losing substantial value, which has negatively impacted retail investors [8]. - Bitcoin and Ethereum are identified as more stable crypto assets, with Bitcoin serving as a finite-supply asset and Ethereum hosting about $53 billion of the total $92 billion in value locked across DeFi protocols [9].