I personally don’t invest more in tech than I need to via broad index funds (and I certainly never keep my RSUs in the company stock, I always sell immediately). Otherwise, if there is a sector-wide downturn, I’d be triple exposed - my paycheck, my tech investments, and my company stock. That seems like a lot of risk to take on.
I’m open to other opinions here.
A. Guaranteed $1,000 each month
B. Every month, flip a coin. Heads gains $5,000, tails you lose $1,000.
To me, that's SPY vs. QQQ. Tech in general has higher expected return, but more volatility. If you can handle the volatility, then QQQ is better. If not, then not.
Ultimately, I'm taking a bet on tech because I believe tech has the greatest chance of improving the economy/world.
[I'm also not qualified, so do your own research]
It's hard to go bankrupt without it. It makes sense for money you can afford to lose and for a house, but that's it.
Note: I am very conservative with investments.