/biz/ - Business & Finance

Even up to 13 years actually. But everyone seems to preach it as being a good option?

>>16411623
>>16411640
Yea, Indexes aren't get rich quick schemes. If you invest in an index, you should be doing so with at least a 20 year minimum timeframe in mind. Also buying an Index at the absolute top like in May 2007 is of course going to take longer to recoup your initial investment.

Had you bought the dip in 2008-9, your money would have broke even in a much shorter time.

>>16411662
no one of the new genenration of people will ever want to wait 20 years for their money.

the times of stonks indexs pyramid scams will soon be over.

>>16411667
I'm 24 y/o and most of my assets are in the stock market via a 401k and personal portfolio. Most people in the previous generations didn't have much, if any, money in the markets either. You're an idiot to the think stock market is going anywhere.

>>16411667
I've only just started looking at investing after spending the last year years saving and it literally look less than a minute of analysing the index charts to see the red flags.

You reckon most people invest in indexes because that's what they feel they're supposed to do without fully understanding the full risk involved as well as opportunity cost of their initial capital?

>>16411690
I'm 24y/o too and would never consider putting my money in an index.

Are you happy to wait till you're 37y/o before making a penny if the market dips again?

Will you even be alive then?

>>16411690
yeah you should have been a boomer.
also a 401k or any type of fund where "you get the money decades later but we willgive you nice extras" is a scam. only a boomer would fall for it.

>>16411692
don't buy stocks. its an inflated shitland. as it stands, all stocks will soon become digital assets traded on blockchains without middle men anyway. Just wait for the next stock collapse. after that stocks will become digital assets traded like crypto is traded.

simple.

>>16411706
This10000x

>>16411706
thats how stonks work if you dont have atleast 10 million dollars its not worth it at all. if you invest $100k now you might have a million in 50 years, yeah sure, however that million will have the purchasing power of 100k. that's the truth about stonks.


don't ever put your money into anything that will "lock it up"

its all a scam. inflation will rob you. buy crypto

>>16411692
You don't actually understand how investing works m8. You don't spend years saving money just to dump it all into the market at once. If you do this it's a surefire way to get rekt when the market inevitably takes a downturn. Ideally you would have been buying into the index at various points in time to Dollar Cost Average your buy in price downwards rather than buying a whole lot of shares at a single price.


With stocks, you gradually build your position if the company/fund looks good, rather than trying to time the market and go for the ride.

>>16411623
if you bought japan's stock index during their bubble in the 80s youd still be down. the conventional wisdom was NOT always as bullish as it seems now where everyone thinks you can literally never lose with stocks. imo the next crash in the usa might never recover like japan in the 80s because so many passive people who know nothing about the stock market have gotten involved

>>16411706
I never once said that all my money was in an index fund you retard. I'm simply explaining to your why they are an attractive option for passive low risk investors. If you wanna gamble all your money on options trade or shitcoins than go right ahead. You'll only end getting rekt like 99% of people who do.

>Will you even be alive then?
Idk, are you one of those all selfish fucks who only wants to make money for himself instead of making money to benefit his family? If I die before 40 than so be it. All of my assets will go to my beneficiary.

>>16411778
>Hoping your investment will pay off after you die

Cope

>>16411749
>if you bought japan's stock index during their bubble in the 80s youd still be down. the conventional wisdom was NOT always as bullish as it seems now where everyone thinks you can literally never lose with stocks


While you're absolutely right, the geographical, historical, political situation of Japan also has to be considered here. People are always bullish on the US market because our population is always growing and we still have a complete military hegemony (although it's fading) over most of the western world and large parts of the Asia.

Japan's growth rate as a society has effectively slowed down and not recovered to the level of 1980's whereas the USA always rebounds. You can't just look at the economics for that one.

>>16411802
You're fucking retarded man

Traditional boomer investments are an absolute joke. They have had their time and now it’s the new generations turn. It’s that simple. If you’re under 30 why the fuck would you invest in the financial instruments your grandparents are selling? You’d be retarded. All of your money should be going into crypto and YOU should be responsible for your retirement. The government has proved they are incapable of handling it- it’s gotten to big and they don’t know what to do. Hence the almost 4 trillion they’ve printed into the repo market.
>tl;dr buy Bitcoin.

>>16411847
Crypto is a joke and the bubble has already burst most of you are just in denial still

>>16411847
This. Only crypto left lads

>>16411847
This
>>16411868
Bitcoin is the pin to pop the world’s bubble. Everything in every country is inflated right now. It’s tough being an investor because you know you’re buying a blowoff top. If Bitcoin didn’t exist, I feel we’d truly be doomed.

>>16411623
> Am I missing something here?
Yes. Dividends. That makes a siginificant difference. Also, most people invest over time as they earn and save money. They don't just put a ton of money into stocks and then stop saving/ investing. But yes, stocks aren't for short term investing unless you can stomach the variance.
>>16411640
There isn't any easy money to be made in investing (inb4 shitcoin shills). You either have to be patient or get lucky. The most popular alternatives to stocks are:
> bonds: you will get raped by inflation. Government bonds are not really for building wealth, they are for preserving wealth
> cash: same as bonds but even worse
> precious metals: can make sense to have a few % in PMs but because they have betas of close to 0 the expected return are (at least in theory) pretty low
> real estate: a decent alternative to stocks. Slightly lower expected return (and risk) than stocks, slightly more predictable, takes more time to manage than stocks, sometimes tax advantages over stocks, way higher transaction fees than stocks, a lot more illiquid (= might take a long time to buy/ sell if you want a good price), easy to leverage with mortgage (this a big advantage but if the pic you posted makes you shit your pants then this isn't for you)
> crypto: way more volatile than stocks and it's not entirely clear what kind of return you can expect long term