/biz/ - Business & Finance

cope

>>49810421
They're in for a rude awakening

Don't worry, they'll soon be getting real jobs too

>>49810421
I make more money than them

>>49810421
>We have $210k invested
>We

>>49810421
Why do normals insist on investing more than ten percent of what they make? Fuck.

>assumes 8% compounding returns after fees and taxes

>>49810421
8% apy is unrealistic. Just because the apy was unrealistically high at the end of the bullrun doesn't mean you can expect such a return over 50 years.
Doesn't even take inflation into account.
Passive investing was a mistake and is a cancer.

>>49810481
What fee? Index funds have minuscule expense ratios.

>>49810433
why?

>>49810421
>guaranteed 8% p.a.
how?

even if your a beginner DIY investor, you can easily make it by investing the vast majority of your money in low cost index funds, live within your means, have a decent to high paying job, and start early. the people here want to be millionaires in a year(hows that working out for you?)

>>49810554
It's the average lifetime yearly return from SPY, which is pretty perilously fucked in the short term.

>>49810421
Wasn't this video made at the tippy top of the stock market?

>>49810554
brainlet take from a poorfag

>>49810608
Roughly around the ATH of SPY (479.88)

Friday we had the 52 week low of 362.17. So close to 25% loss for anyone unlucky enough to have topped the market.

>>49810605
There are a lot of missconceptions about this.
You are not buying a bottom and are not selling the top, especially as a passive investor.
You are taking economic growth from the last 70 years were America was a majority white country, uncontested global superpower with a young and reproducing population.
Now America is nigger filled, diminishing global presence and an aging (and obese) demographic with no population growth except low skilled migration.
Thinking green line go up forever is fucking stupid.

>>49810648
I am single and have more than the golems in OP and I am actually holding Cash so I didn't lose 20% like these chuds.
I will buy the bottom as well.

>>49810421
5 Million will be worth two houses, but they will lose one worth on medical bills when they get old, hope they don't fuck up and leave their kids without the house, because that would be worse than death in the mini apartment/shared living hell that is planned.

>5 million in 40 years
lol

>>49810841
Don't kid yourself. Its a modern couple. It just needs to be enough to last their fur babies the few remaining years.

>>49810841
You will enjoy ze pod (sponsored by modular Amazon Housing ©)

>>49810605
Averaging yearly returns is misleading dishonest marketing used by funds and fund salesmen. -25% / 14% / 35% averages 8%, but the real gains are 5.15%.

>>49810594
The idea here is that (hopefully) the American empire will be in ruin on 50 years time

>>49810421
Any follow up posts?

>8% gains
>Inflation is 10%
>Dollar is down 75%
>But stonks go up never down
Lol by the time you are a millionaire everyone else is a multi billionaire and a loaf of bread is 5 trillion dollars

>>49810421
Why are couples like this so common? Usually a basedmale manlet with brown hair and an ethnic women that is quite hot. I see so many bald manlets with gfs that are their height or even slightly taller. I thought such women only go for chad?

>>49810421
Normgroid genocide

>>49810481
That's a below average return.

>>49810683
Plus the last remnants of functioning society are forced by law to be infested by incompetent (nigs, women, disabled, degenerates) . If you put 30% Latinos 20%Africa into a basket, there simply is no chance to maintain a competitive empire

how can you see such an ugly woman and convince yourself you will wife her

>>49811356
if ur willing to have a kid thats not white then its much easier to find a mate. this is by jewish design

>>49810564
They were out Jewed by the Jew

>>49810421
She is almost broke actually, there was a news article on it

>>49811639
>She is almost broke actually, there was a news article on it
Topkek. Link?

>>49810936
Yeah they are probably suckers.

>>49811639
>>49811659
https://www.dailymail.co.uk/news/article-10914023/The-Aussies-whove-lost-fortune-Bitcoin-crashes-crypto-market-goes-freefall.html

Apparently she went broke with shitcoins in 2018, but somehow now she has 500k while preaching about 'safe' investments Boomer advice like only gambling 10-15% of your portfolio something doesn't add up.

>>49811736
>Experts say investors are pulling out their money due to skyrocketing inflation, interest rates and cost of living prices.
Why do they pretend that retail are the ones driving the market?

>>49810683
high IQ post. people who see the world as it is and recognize racial and sexual differences have an economic advantage.

>>49810683
correct

>>49811736
>'I thought I was a genius - "I'm going to be a billionaire by the time I'm 30", but unfortunately that didn't happen,' investor Queenie Tan told Daily Mail Australia.
>Ms Tan, who runs the popular finance page Invest With Queenie...

I hate cunts like this more than can be expressed with words.

>>49810915 KEK ok that's pretty funny, it most likely be a shitbox concrete apartment built by robots, or mushroom material housing I believe.
>>49810914 No that man going to knock her up least once if not more, you can tell this just from the photos, too close to each other if they weren't going at it. Divorce is the biggest question, woman might try to fuck him over, he doesn't look bright enough to prenup or postnup her.

>they think they will get 8%/year reliably
>they forgot that inflation is over 8% YoY
>they think they will even nominally break even in 2022
lmao
haha
hoho

>>49810594
Past performance doesn't indicate future performance, VOO nigger. Welcome to your lost decade.

>>49811873
lmao she moved on to full unadultered boomer advice. It's the financial equivalent of the e-thot to tradwife evolution.

>>49811736
>Queenie Tan kickstarted her wealth with cryptocurrency in 2017 - before losing 90 per cent of her portfolio when the volatile market crashed.
Ahahahahahahahaahahahahahahaahahahaha
What coins did she buy?

>>49810421
damn im so happy they will have millions in 20 years
thats gonna be like 2k in todays money
good on them

>>49810476
Free money. Employer matching usually take you at least 10%

>>49810421
>Why did you buy magic internet coins?
8% return over 40 years
lel

thanks for the good laugh anon

>>49810594
It’s going well, thanks

>>49810683
>demographic with no population growth except low skilled migration.
if you think only low skilled migrants come in thats cope. yes the illegals are like that, the legal migrants are primarely educated think of pajeets and east asians with PhDs, not border hopping mexicans.

>>49810421
>$5 million in 40 years
Thats pretty terrible for investing.

>>49810421
>We
She means she will take all his money. He is already financially raped.

>>49812355
mostly link

>>49812355

Normies just get Gibs from there parents. Took me years to figure that out. It's a tough red pill to swallow but the reason I'm broke is because I refuse to mooch off my parents. I find it embarrassing. What grown man begs off their parents. Answer. More than you think.

>>49814595
ill give you a little protip: even the ''skilled'' immigration is to a lesser standard than native western talent. it exists to save corporations money

all 401ks are underwater lol

Uhh, but the inflation is higher than 4%, so they're actually losing money

>>49814595
Ah yeah the 100k Pajeet tech workers imported in the next 5 years will reverse the population pyramid and the decline of American hegemony. Uponly forever.

>>49810421
Typical Insta Thot and the husband who is trying to sound impressive, with the Thot taking his word for it because it makes her sound good.

And assuming the 8% per year will happen (it wont, see >>49810936 ), that's slightly below inflation currently, so they almost broke even in true assets. Congratulations, for your fake scenario.

>>49810682

Anyone would love to have just 25% loss

>>49815004
The 8 percent number is after inflation. The real return is inflation plus 8 percent. Personally I'm putting in 6.5 percent as my after inflation projected returns but desu that's just a guess

>>49810554

8% nominal, 5% real is definitely possible

50% small cap value (IJS for example)
30% intermediate bonds
20% gold

would get you there with manageable drawdowns, simple 3 ETF portfolio

I hate how unnatural women pose for a camera. The guy is obviously acting like himself, but look at her it's the same pose and head tilt with identical fake smiles.

>>49810683
>Now America is nigger filled,

USA is 15% black. OK, so write them off if you like. Of the remaining 85%, even the Latinos are holding down jobs and are aspirational. Yes, you cannot live in downtown LA, but overall the economy chugs along.


>diminishing global presence

Irrelevant to stock returns, Britain lost an empire but had one of the best stock markets of the 20th Century

>>49814667
Bring better fud, 2017 didn't have icp.
Now worth more than $500,000 - Ms Tan said she lost 90 per cent of her portfolio during the crash of early 2018, and while she is not giving up on crypto altogether, she is chastened by the experience. 'It still has a future but it takes a while. Now, because of that experience, I only invest money I'm prepared to lose. I'm definitely more humbled,' she said. Ms Tan now has just five to 10 per cent of her portfolio in crypto, choosing to invest in the stock market rather than the volatile digital coins. She believes the latest crash is more than just part of the crypto value rollercoaster ride, but a reflection of a more broadly troubled world economy.

>>49812053
in my country there is one chad faggot that makes money off youtube and is essentially selling investment advices to zoomers (womn love him). he was supposedly making money from cryptos (lol), then in the last year he jumped on the tsla wagoon (he just forgot to tell the faggots to sell, lololo) and now he is into renting real estate (which is in ubelievable buble right now as boomers are "hiding" their money from inflation). these type of people are basically making a living from scamming yout into shitty ponzi schemes.

>>49810421
>already cashed out 600% of my original investment.
>remaining bag is still worth 400% of what I originally put in.
>20% of that bag is stablecoins ready to slurp once the market flips.
Normies cannot ever hope to compete with me.

>>49811794
>Why do they pretend that retail are the ones driving the market?
The main purpose of all journalism is to direct people's attention away from the top, or (((the top))), whichever version you prefer (they are all spiritual jews anyway.)

>tfw you realize if you'd just focused on in college, gotten a good job, paid off your debt, and invested heavily into index funds and other conventional investments, you'd likely be a millionaire by the time you're in your 40's.
It hurts, bros. As an older millenial, I can guarantee you that this path may be boring but it absolutely works. My peers who went into STEM degrees who lived frugally and saved/invested are doing so much better than me. All of them have high 6 figure network, if not 7 figure net worth, and had the capital to take advantage of the housing boom, crypto, stocks, etc on top of maxing out their 401k's and other retirement accounts. Seriously, if you're on the fence about going to college or pursuing a career, I am practically pleading with you to do so. A good salary and common financial sense will absolutely transform your life in ~10 years.

>>49814595
Those "highly educated" pajeets with trash degrees are dumber than the average high school graduate and are only brought in to depress wages. There is a reason outsourcing high-skill jobs to india has stopped. 90% of Indian "engineers" are fake.

>>49810593
not guranteed, they're probably referring to their return rate so far during bull market conditions. Over time it can average 5%-8%

>>49812355
>person loses money, learns from mistakes, gets educated, and recovers from failure to become a success
yeah bro, she's a total loser, wow im sure she's jelly of your SHIBags.

>>49810683
Damn, you’re not wrong.

>>49815600
>recovers from failure to become a success
let fix that for you:
>gets more free money from daddy and buys stocks during a bull market
There is nothing to be learned here. She did exactly the same.

>>49810421
Normalfags have social clout. They can just call up their uncle or something to give them a title and a bunch of month. They don't need to learn skills or anything like that, they just need to exist and show up at social gatherings.

>>49815600
This lmfao

>>49810683
>Thinking green line go up forever is fucking stupid
thats literally the point of things like index funds you fucking moron. Go invest in your rice, beans, and socks for the impending "collapse" you fucking doomer. Protip: all the people telling you the collapse is imminent invest and make money off of you while you go poor hording lighters.

>>49815191
Me on the left, disguised with humanity

>>49814595
>pajeets will save america

>>49810554
in 10 years they will have nothing because we're going to go through shit worse than the great depression soon and this sweet little latina whore in OP's picture will need to suck cocks just to afford dinner for the two of them.. doesn't look like they have kids so they might have it easy..

>>49810683
b.. but my savings.. but muh housing prices!

>>49810433
>>49810564
becuase they are not even keeping up with inflation

1M in 10 years will be about 200K buying power now if that

>>49810564
the markets will be tanking 15-20% lower than 2008 so if they are heavily "invested" they will be wiped out. Also inflation isnt transitory and will last for another 3-4 years.

>>49816188
>1M in 10 years will be about 200K buying power now if that
You're predicting an average inflation of more than 17.5% pa for the next decade? That would be... interesting.

>>49810421
if everyone is investing and making money, who is losing money? fake and gay

>>49814595
Retard. Have you ever been to the southwest? If 99% of a pie is made from shit I'm not eating it to get the other 1%.

>>49816037
you didn't disprove him you dumb nigger. you're looking at data from an america that doesn't exist anymore (demographically). a black swan event can and will change anything

I follow her on YouTube. She gives really basic advice. I really hate when people like this assume 10% annual returns. Returns over the next few decades will be mediocre at best. Declining birth rates and climate change are going to be brutal for the economy. I’m expecting 5% returns at best.

>>49810476
i invest like 50% of the money i make. i dont waste it on useless shit. you think you can achieve anything with <10%?