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Where to Invest $100,000 Right Now, According to Experts
Investors face a dilemma. When the S&P 500 finished its worst quarter since 2022 last month, diversifiers like bonds and bitcoin fell too.
Even with the turnaround in mid-April, analysts at Goldman Sachs and Vanguard have projected low-single-digit annualized returns from 2024-2034.
Bloomberg asked where experts would personally invest $100,000 for their March monthly edition.
One answer that surfaced for a second time? Art.
It's what billionaires like Bezos and the Rockefellers have privately used to diversify for decades.
Why?
Appreciation. The ArtPrice100 Index outpaced the S&P 500 overall from 2000 to 2025
Low-correlation. The postwar contemporary segment has moved independently of traditional investments like stocks since ‘95.*
Resilience. A scarce, physical, and global asset class with decades of demonstrated demand.
Thanks to the world's premier art investing platform, now anyone can invest in works featuring legends like Banksy, Basquiat, and Picasso, without needing millions.
Shares in new offerings can sell quickly but...
*According to Masterworks data. Investing involves risk. Past performance is not indicative of future returns. See important Reg A disclosures at masterworks.com/cd.
Imagine this scenario. You are in the middle of a big job or helping a customer when your phone rings. It is a new lead. You cannot answer right now, so the call goes to voicemail. By the time you call them back an hour later, they have already hired your competitor who picked up the phone on the first ring.
This is the biggest trap for small business owners. You are so busy doing the actual work that you do not have time for marketing and answering the phone.
What if you had a team of digital assistants working for you around the clock? Imagine them finding leads, answering calls, booking appointments, and asking for reviews without adding a single dollar to your payroll.
This is not science fiction. Regular business owners are doing this right now using something called an AI Agent Swarm.
What is an AI Agent Swarm?
Don't let the technical name confuse you. An agent is just a simple AI tool programmed to do one specific job, like an online assistant. A swarm is what happens when you connect a few of these AI tools together so they can talk to each other and finish a big task from start to finish.
While tech companies use these swarms to build websites, you can use them to find customers and run your daily operations.
How the Swarm Works For You
Instead of doing everything yourself, you can set up three simple AI tools to handle your heaviest admin work.
1. The Lead Finder
Instead of spending hours hunting for customers on social media or paying for expensive ads, your AI tool does the scouting. You program it to look through public local records, find people who likely need your services, and build a clean list of names and phone numbers. It hands this list directly to your other tools while you sleep.
2. The 24/7 Receptionist
Missing a call means missing money. With an AI voice or text assistant connected to your phone line, your business never closes. When a customer calls at 9:00 PM, the AI answers. It can answer questions about your prices, check your calendar, and text a booking link straight to the customer's phone during the call.
3. The Review Builder
Online reviews can make or break a local business. You can connect your invoicing system to an AI messaging tool. The exact moment a customer pays their bill, the AI sends them a friendly text message asking for a review. If they leave a good review, the AI replies publicly to thank them.
Quote of the Week:
"The option to automate shouldn't remove the human touch, it should give you the time to actually deliver it."
Your Job vs. The AI's Job
Using an AI swarm does not mean you stop running your business. It just means you focus on what you do best.
The AI handles: Finding potential customers, answering late-night texts, booking appointments, and managing reviews.
You handle: Doing the actual skilled work, meeting high-value clients, and building real human relationships.
Your Weekend Plan: Get Started in 3 Steps
You do not need to be a computer expert to set this up. You can get your first automated system running over a single weekend. Here is your action checklist to start saving time by Monday.
[ ] Pick your biggest time-waster: Look at your past week. What took up most of your time that was not actual billing work? Pick one thing to automate first, like answering basic customer questions or asking for reviews.
[ ] Set up an AI phone or text assistant: Look for an online AI voice or chat platform. Spend Saturday morning typing in your basic business information, hours, pricing, and answers to common customer questions. Link it to your business calendar so it knows when you are free.
[ ] Automate your customer follow-ups: Create a simple link between your payment software and a text messaging tool. Set it up so that whenever an invoice is paid, a friendly text goes out three hours later asking the customer to rate your service. Test it yourself to make sure it works.
Some Work Requires You. Most of It Doesn’t.
Some work needs your leadership. Most just needs to get done.
When everything lands on your plate, that line disappears and your time gets consumed by work that shouldn’t be yours.
The Freedom Framework shows you what to keep and what to confidently hand off so you can focus on what truly moves your business forward.
From idea to shipped tool in 11 minutes.
Type the problem in Slack. Viktor writes the code, deploys to your subdomain, posts the URL, and starts using it on your next request. No specs, no Jira, no kickoff. Founders are running entire companies this way.
