/biz/ - Business & Finance

>>11833974
>not make 3% old grandma returns that barely surpass inflation
you're confusing passive investing with fixed income.

>>11555883
>investing is a meme if you're not an investor
you don't need to be an investor to invest. just buy the index and you're already doing better than 50% of fund managers

>>11539300
>putting money you cannot live without into anything even remotely risky enough to jeopardize your income
the stock market as a whole is not risky. volatility != risk. you're not putting anything at risk when you have all the time in the world to wait out any bump in the market.

>>11085033
if your fixated on the idea that savings should have zero risk, buy treasury bonds. they at least keep up with inflation as long as you willing to lock up your money for long enough and are guaranteed.
if you can weather a bit of volatility then contribute to your 401k and buy index funds and let your money work for you.

>>10884700
yeah, that is what I'm implying

>>10711869
you invest in the index which gets you the average by definition. individual mutual funds can play games with their numbers to make it look like they're beating the average, but don't 99% of the time.

>>10711893
if you really be speaking to an expert and not strangers on the internet. there are more factors to what you should do with your money than just how much of it you have. and it sounds like you're confused about what you want.

>>10500805
>it’s unlikey that a ~10% growth is sustainable for more than a month with no maintainence.

>>10291792
it's either safety or growth. you can't have both in the same investment.
10% is about as much as you should expect. but with a relatively bumpy ride

>>9202107
>Do you like waiting months to recover from -0.5%?
it's years, not months. which shouldn't be a problem if you aren't living paycheck to paycheck

>>8687300
holy shit this board is retarded
a conservative portfolio returning 4% will make 200k a year off of 5 million.
you'd think after all the crypto gambling some of you would have figured out percentages by now.

>>8669921
because you're pretty much guaranteed to make money as long as you diversify properly.

>>8507626
>is every dividend payout I reinvest the same amount I initially invested (1st quarter-$1000, 2nd quarter-$2000, 3rd-$3000, etc.).
contributing $4,000 a year; after 10 years it will be growing $4,000 a year on it's own, and $30,000 in 30 years (>$400,000 in the account).
but that's the average outcome and deceptively optimistic. it's a crap shoot whether you end up on the good side of the financial cycle when you need the money.
>>8507937
5 years isn't really long enough to ride out a bad market, you could be fine but you're taking a risk.

you said you weren't interested in college but have you looked into trade school? skilled labor doesn't necessarily mean a diploma. it's cheaper and in some cases pays more than what a 4 year degree can get you.

>>8242384
average return for the stock market is 10%, minus inflation.
beating the stock market is zero sum, but on average you still get that 10%.