/biz/ - Business & Finance

>>16433665
good goy, keep diversifying away your gains!

Unironically true. I use them to max out my Roth IRA. The Boglan 3 fund portfolio philosophy is like free money. That being said I also have a 30k Link stack, a small nest of BTC and Quant.

>>16433665
>>16433703
Based, most of my portfolio is vanguard index funds. Very boring but very effective

>>16433665
Same here, ETF are the best.

Normie investing, good luck with your 1x in 10 years

>>16433703
>investing in non-American funds
Anon, I...

>>16433933
how do i just jump in and buy some? any advice?

>>16433665
i dumped 10k into Ford in 2008 during the crash

Steady, sure. Slow? Not always.

You buy etfs because for the most part, you'll be fine if you keep buying in at a steady pace regardless of market conditions. Furthermore, make sure you have the dividend reinvestment plan enabled for your account(DRIP). Assuming you purchased enough of the ETF, the dividends will be converted into more shares every quarter which compounds your returns.

>>16434011
The boglehead 3 fund portfolio consists of 3 American Indexes is it not?

Boomers in 1 year:
>gee, guess I missed the bitcoin ponzi pump again, heh at least I still get my 12% annually

>>16435111
>heh at least I still get my 12% annually
If one has a decent amount of capital this is nothing to sneeze at, crypto is way too volatile.

>>16435115
Sure, if you have over 100K to play around with at first and don't know anything about crypto it's the best bet

Do you anons prefer a Total Market Index or an S&P 500 Index? Any opinions on intermediate-term municipal bonds if one is using a taxable brokerage account?

>>16434199

Just make an account on Vanguard.com or any major brokerage with 0 commissions, link your bank account (takes a few days to confirm it's yours) and start buying some VTI. It's set up so even boomers can use their site so it's super easy.

>>16434199
It’s pretty simple, sign up on vanguard and wait for the transfer process. The biggest thing is you need 3k to get admiral shares, which means you get a lower expense ratio. I recommend VTSAX and some large/mid cap value indices, depending on how much you have to invest. Make sure you have an emergency fund and max your Roth IRA before a taxable brokerage

>>16435177
Why ETF over an Index Fund?

>>16435228
>max your Roth IRA
The funds from this aren't even accessible until one is close to 60 right? Why not just dump all funds in a taxable account?

>>16435237

It doesn't matter. ETFs don't require a big initial investment like the index funds do. Either way, you get the same returns with the same expense ratios.

>>16435111
Who the fuck is paying 10 percent

>>16433933
Based.

>>16434001
This. Vanguard is peak boomer

>>16435245
The money you invest can be withdrawn whenever, the earnings have to be for specific reasons. Huge medical bills, first down payment on a house, etc. You want to do it to avoid capital gains tax, in a regular account you have to hold for at least a year to avoid it

>>16435177
10 year bull run just buy VTI dude

>>16435111
are you really implying that a 12% annual return isn't great?

are you a retard? you really going to invest in a snapshot of the market at its ATH?

index funds are great if you are looking for achieving financial independence when you have erectile dysfunction. Some of us are a little more ambitious than that

>>16436501
>the market at its ATH

The market trades at or near all time highs on 60% of all trading days, historically. If you're going to soil your panties just because the market is rising, then perhaps investing isn't for you, anon.

or....(Gasp) you can buy when it dips!

>>16435111
>gee guys I don't understand low risk compound interest

>>16437928
said an increasingly nervous man since about 2014

>>16436501
>market ath fud
kek, speculate with some post-moon shitcoins then

>>16436986
>What is inflation of USD

>>16436986

Fuck that rise from 1990 to 2000. If you had just invested in S&P 500 and bought a decent house in some decent place, you're set for life

>>16438669
look at the scale bro

>>16435508
That’s a little incorrect. You PAY capital gains tax if you wait a year. 0% cap gain tax if you’re under like 40k in declared income. If you don’t wait a year your capital gains are taxed as earned income not captial gains tax.