Thanks man, always appreciate you stopping by! I thought I'd include the S&P because that's the default advice in the US: put everything into a low fee S&P Index Fund, because historically (going back 90 years) the average return is 9-10%. Not bad. Last year it actually ended the year down -6%, but, man, compared to crypto's absolute meltdown, I'd take that annual loss of -6% over a -85% annual loss in crypto :)