/biz/ - Business & Finance

>>17459614
stats: 27, 80k salary
and should I do 15% in the stock market and 5% in crypto?

>>17459614
Depends on how old you are and your risk appetite.

Pick the one that has the best rate of return and lowest expense fees. if you see FXAIX there that a great one.

lmao based OP pumping stocks for boomers to steal your 401k

buy high sell low

do a Roth IRA instead retard

>>17459614
>Getting into the Boomer market right before the greater depression.
Never change /biz/

The vanguard target retirement up to the employer match, full 6k in a Roth, the rest is discretionary

It's all the same slush fund that will be empty when you are old so really doesn't matter, now slave away wagie.

>>17459614
S&P 500.

It will outperform all of those and for far lower costs.

Schwab SP500. Invest and forget.

>>17459768
>>17459762
thank you, looking like im doing Schwab S&P 500, roth, 10% of every paycheck

"Social Index" looks juicy.

>>17459731
This. You're gonna screw yourself OP. Wait until the market restabilizes.

>>17459806
Make sure to educate yourself on stocks and asset allocation. You don't wanna be 2 years from retirement than get shrekt like all these boomers are about to

>>17459829
with a looming recession, election drama, fed pumps and corona virus.. this whole year look sketchy :(

>>17459829
Are you stupid? This is the perfect time to get in the market. It's a 401k with a 40 year timeline, in the long run the fact that he started one at all is more significant than the timing of it.

>>17459865
thanks anon. using thinkorswim paper trading to learn stocks and blockfolio to learn crypto currency investing

>>17459614
90% into one of the s&p 500 index
10% total bond market

ez pz

>>17459875
Don't listen to that faggot. A recession is the BEST TIME to start a 401k because now you get cheapies.

>>17459902
thanks anon

>>17459875
401(k) is literally DAC for people who don’t normally invest. It not lump sum you neet. It gets taken out of your pay every period.

>>17459875
I'd wait 3-5 years minimum before even considering it. I've run VARIOUS quants on this. You need to have a premium attached to your risk, and right now risk is so high and reward so low for long playd, quantitatively it doesn't make any sense to be in a non actively managed fund by yourself. Hedges I don't trust.

>>17459889
We could be talking a 15% difference here in long term growth. How does that make me foolish?

You guys that talk about not timing ut simply just don't know what you're doing. I doubt you even understand the implications of such current events, let alone understand micro/macro economics. The two tie together and right now we're looking at a minumum probable 2-3% loss per month cumulatively until the world gets back to normal export and import activity. Read a book and do your math. Seriously.

>>17459941
Dude... S&P500 100%

You don't even know whats in that social index, and bonds are absolutely worthless right now. You need to be going for maximum gains right now while you're young.

>>17459614
Im in the vanguard total international stock index and its done pretty well

>>17459960
>The two tie together and right now we're looking at a minumum probable 2-3% loss per month cumulatively until the world gets back to normal export and import activity.


You can't know that at all.

>>17459829
There's no point in waiting since there's contribution limits.

>>17460030

>>17460013
Listen to this anon, anon. Contribute as much as you possibly can up to the max into 100% S&P500 until you’re ~50, then re-assess. You’ll be rich.

>>17459614
Mine is as follows you'll have to figure out which one is which on your list
Vanguard Mid Cap Index Admiral = 20%
Vanguard Prime money Market Investor = 10%
Vanguard Small Cap Index Admiral = 50%
Vanguard Value Index Admiral = 20%

Been performing nicely

>>17459806
oh my God OP, we're not being cynical and obnoxious cause we hate you, we literally follow the fucking market here. Boomers who don't understand the technology stick with the stock market that's being propped up (look up Federal Reserve Repo operations). You're screwing yourself over investing in a 401K.

Link
BTC
ETH

Choose one and go with it if you need a Crypto to invest in. Lurk moar if you need even more of an opinion on which to choose.

>>17460089
Those percentages don't tell the whole story. Actively managed funds have high expense ratios which seriously eat away your gains over time. People recommend S&P 500 indexes because they are extremely cheap and always perform well.

>>17460156
It's for his job.. Are you fucking retarded?? It's part of their "benefits" they are offering him. He can use his own income to buy crypto too

>>17460156
You can max out a 401k and still do crypto, especially on 80k/yr as a single man.

>>17460122
This. I did the target fund for several years and it was pitiful. The S&P greatly outperformed.

However, I didn’t have the option of a “Social Fund” however kek I’d do it for the lulz

>>17460124
>money Market

401k + Roth IRA = Vanguard target date because I just don't feel like actively managing the portfolio and frankly I just don't trust myself to be able to time and beat the market

Taxable portfolio = S&P index fund and random stocks I feel like buying at the time for fun

>>17460124
>Been performing nicely


Maybe if you're a pussy with your money lmao

>>17460074
>He doesn't know just about everything is measurable

You just proved everything I just said. Thanks for the reinforcement.

>>17459614
Fidelity small caps + Vanguard 2030. Moderate risk balanced with less volatility.

>>17459614
All the following sound like good options.
>Total International Stock Index
>Fidelity Small Cap Index
>Schwab S&P 500 Index
>Fidelity Mid Cap Index
>Fidelity Total Market Index

Check their fees, though. Should be less than 0.2%. I'd probably go with 30% small-cap, 30% international, and 40% S&P 500. And if you're going to retire in less than 20 years, you shouldn't be 100% in stocks.

>>17459762
Small Cap Stocks have historically out-performed the S&P 500, at lower risk. But yeah, avoid anything with bonds until you're old.

>>17459817
Socially conscious investing is retarded SJW shit.

>>17459829
>Wait until the market goes up, to buy
Generally, the mantra is "buy low, sell high". Not "buy high".

>>17459875
There are always doomers. They're almost always wrong.

>>17459941
NOOOOOO.

NOTHING IN BONDS, UNTIL YOU'RE OLD.

>>17460156
>You're screwing yourself over investing in a 401K.
Investing in the stock market has worked for everybody who held long-term in US history. The stock market has never gone down, over any 15 year period.

>>17460168
Correct.

>>17459614
Just buy and hold AMZN and TSLA you fucking retard.

>>17459829
there isn't going to be a market