The richest investors don’t need to hunt for the next moonshot all of the time. Some of the most successful billionaires, like Ray Dalio, the founder of Bridgewater Associates, are currently piling capital into exchange-traded funds (ETFs) that track the market, precisely while retail investors keep chasing speculative crypto bets that torched a lot of their cash in 2024 and 2025. Less-speculative crypto assets, like Bitcoin (BTC 3.39%) and Ethereum (ETH 4.15%), haven’t necessarily performed that well either relative to the rest of the market recently.

So these different investor camps can’t both be right about which assets are going to be worth a lot more by 2035. Let’s sort out which approach is more deserving of your capital.

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