Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

Asset Allocation 101: Why I Never Put More Than 10% in Startups!

25 May 2025 · 1 min

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Short video/transcript in which Ndubuisi 'Andy' Egwim explains his simple asset-allocation approach: diversify across vehicles (stocks, bonds, index funds, real estate, startups) and limit exposure to startups to about 5–10% of investable assets. He uses a 100k example and notes that a 10% allocation that returns 10x would significantly boost a portfolio (he states 10% × 10x → 100%).

Questions this video answers

"like 100k" (he says "let's say you've got like 100k").

"never put more than 5 to 10% of my investable assets in a startup".

He states the 10% × 10x equals "100%" (i.e., the 10% allocation would net the equivalent of 100% of the portfolio).

Chapters

So when I say asset allocation this is how I break it down to you guys. In a nutshell let's say you've got like 100k. So basically when it comes to asset allocation is being able to, you know, invest your money in different portions in different vehicles. By vehicle I mean stocks, bonds, startups, index fund, real estate. Being able to distribute it in such a way that overall you're not taking an unnecessary risk. I'll give you an example. I never put more than 5 to 10% of my investable assets in a startup. Why? If the startup goes to zero our startups could happen. It'd be a bit painful but that will not be the end. Okay? Because that was 5 to 10% and that 5 to 10% if it actually does like a good startup if it works out, if it does 10x. So that means if I put in 10% and that it does 10 times 10 times 10 is 100%.