/biz/ - Business & Finance

>7k

>>50130041
VOO, end of discussion

>>50130084
sorry mr. trillionaire im in my 20s and will be throwing in an extra 400 per month for the next 10+ years

go vanguard. wise investment for later life.

>>50130099
thats going to hardly outpace the inflation

learn to trade, you can waste few years learning when youre young

>>50130094
Isn't that basically VWRP? All the substantial holdings seem the same

>>50130041
vanguard, i have 60k in it

>>50130129
VWRP is all world, VOO is top 500 in usa.

VOO is better because most money flows into US

>>50130041
My vanguard life strategy 100 equity stack has been shit this year.

I think both the top two are excellent however I would suggest also buying the small cap fund regardless of which one you get because of the size premium.

>>50130122
>>50130084
shut the fuck up mcdonalds worker you aren't fooling anyone.

>>50130198
this is shitty reasoning.

I been putting money into VDE and VNQ. I feel like I should start putting some into VOO and maybe a couple other Vanguards

>>50130410
if you haven't got a broad based etf like VOO or VTI then you definitely ought to. It should really be the base of your portfolio. Thematic ETFs tend to do worse than just buying the whole market bc people suck at macro timing. With that being said there's nothing with wrong with VDE or VNQ but I would definitely suggest not just having all your eggs in those baskets.

consider small cap value

>>50130362
i gave you advice retard, im 23 and i make 20k a month because i actually learned to make money, giving your 7k to jews is just doing a disservice to humanity while getting shat in your mouth as a reward with what, 3% apy?
grow up retard, learn to make your money work for you, could be investing in small bussinesses, buying stocks or basically anything, but dont give anything to banks/funds

>>50130362
>this is shitty reasoning.
im sorry i forgot stocks weren't priced by net buys vs net sells.

if you're playing the etf game you basically want to follow the biggest inflow, its simple math.

>>50130041
You are asking this question on /biz/. You are going to get a mixture of shitcoin shilling, schizoposting and psychos deliberately giving you bad advice, with maybe one or two reasonable takes in the mix.

>>50130426
I kinda forgot about VTI, I'll look into that. Aside from Vanguard funds I started to buy into Costco and may start buying Kroger too, they're charts look to mostly always be trending up

>>50130555
you are actually braindead.

>>50130041
>Vanguard
take your jewish trash where it belongs

>>50130719
why? am i unaware of some magic that makes price go up other than buys?

>>50130483
didnt ask retard

>>50130704
pls don't buy something just bc the line went up. generally 99% of people who pick stocks individually will lose money. and the ones that have done well in the past are often the ones that won't do well in the future.

>>50130729
>unaware of some magic that makes price go up other than buys
macroeconomic events for one

>>50130729
>What do you mean past performance isn't a guarantee of future returns

>>50130741
read what i said, macro events to not directly affect a stock's price. people have to trade it to affect the price.

>>50130764
what affects the number of people trading it long genius?

>>50130760
i said nothing about past performance brainlet, purely about how a stocks price is directly changed.

>>50130775
I am so sorry for whatever education system raised you. I hope society does better in the future.

>>50130771
hundreds of things effect how many people buy a stock, i'm not denying this. but how do you read into the future?

if you could tell which stocks can go up, why are you asking for a diversified ETF?

since you cannot read the future, following the ETF with the most inflow (see buys) is your best bet. if it changes, you change too.

>>50130787
so your strategy is to just rely on past returns then. Or actually not even past returns but most recent returns on a very short trailing basis.

>>50130084
My mother works for the city and literally only saved up $30k over 30 years. I wanted to shoot myself in the fucking head when she told me.

>>50130787
'hundreds of things effect how many people buy a stock, i'm not denying this. but how do you read into the future?'

Consider the following:
not buying a group of stocks with a combined average price-to-book of 3.7, a price which has empirically returned negative over 10 year rolling periods.

VTI is far better because American stocks are overvalued on an objective basis. Don't try to give me this shit about momentum trading.

>>50130764
>what is cause and effect

>>50130041
I was thinking about DCAing into the 60% equity ETF from vanguard for the rest of my life, too. But I am a bit concerned about the negative real returns of the bond allocation.

All in on VWO, milkshit theory is priced in

>>50130948
it's really more for quelling volatility than anything else. If you are more concerned with maximising returns over reducing volatility then maybe you should be going for the 80% instead. Actually depending on if you're more than 15-20 years away from retirement I would actually suggest that anyways. But it's all dependent on your tolerance for volatility.

>>50130041
I'd go with VWRP and be done with it. If you're in your 20s there's no reason not to be 100% in stocks.

is there a 3x long version of VTI?

I do 60% VTI, 40% VEA

>>50130840
understandable, women, especially in the government, were (and still arent) not the breadwinners

>>50130737
Based sane poster.

OP, you are posting on the wrong board, try to boggle heads or a domestic forum if u aren't in the US.

This board is just bag holders head quarters now for all the people who didn't sell & will be holding their bags with the normies for the next couple of years, likely longer JUST HODL. Also, I make 30-40k a month from my business, investing any amount you can save passively is on the right track in a cheap index.

>>50130483
>The bagholder coping to get other poor fags to invest in his QE-alligned lifeline.

>anything with diluted usa exposure underperforms pure usa
>anything without us follows the same pattern anyway without any of the gains
why invest in anything other than the s&p

100% Bitcoin. Any other answer is a confirmed brainlet.

>>50131056
I think a lot of people overestimate their risk tolerance and I am aware that I would not nessecarily be an exception. But on the other hand, the drag of the bond allocation would be a hefty price to pay over my investment-life.

>>50130041
Unironically buy Gamestop shares.

>>50130041
just put that 7k into a random seems legit/almost non-scam pennyshit or shitcoin and see if you can 10x it

>>50130483
Do you have input on potentially good performing undervalued stocks?

Where my FTSE global all cap niggas at?!

>>50134220
Can I get that without ESG screening somewhere?

>>50131362
>No other sizes of this image found

>>50134220
ftse global all cap uses esg. you should switch to vwrl or vwrp

Wait for the dump to buy equities. Now is probably literally the worst time in history to buy equities, aside possibly for one or two runs. Then buy utility coins instead.

>>50134436
>>50134788
what is esg and why should I care
reddit told me to get all cap

>>50130122

So lots of comments about vanguard, good and bad, but none regarding the HSBC portfolios - what's the reasoning behind this? are they all simply shit?

>>50135135
get all-world not all-cap
all-world = global market cap weighted stocks
global all-cap = they pick and remove stocks how they want based on 'esg' standards (very controversial method of stock picking, i cant explain it succinctly but they remove oil, tobacco, and tonnes of other stuff that in my opinion is not a good idea to remove and boost stuff like electric vehicles and renewables)

you should really have looked at the fund in more detail.

>>50135931
theyre not a thing in america. as a uk person i also havent researched them.

>>50135981
VWRL and VWRP are both all-world right only difference being the latter reinvests the dividends, correct?

I'm tempted to throw in like 5k right now but with how fucked everything at the moment is im thinking maybe wait a few more weeks

Semi rich fag here with mid seven figures.
If I can Unironically give any advice as to where to get real advice it’s from the bogleheads forum. Over any half decent time period and avoiding memes the Vanguard/boggle strategy always beats the market

Not a shill post or a meme post. Original vanguard strategy frankly works

>>50137015
>Bogle suggests that the percentage of stocks can be varied by the age of the investor, with young investors holding up to 80% and retirees holding as few as 50%. But he’s also a big fan of keeping it simple, and suggests that sticking with a 60-40 portfolio for life is really all you need.

Would you say that this is still a valid strategy or did you mean 100% stocks when refering to the bogleheads? I know that a lot of them have a bond allocation.

>>50137171

I personally don't bother with bonds because I'm young and have a very high tolerance for my portfolio to temporarily collapse during recessions.

I would bother with bonds if I kept everything in a tax-sheltered account (Roth IRA or regular IRA) and could do regular asset allocation rebalancing without incurring taxes. Instead I just adjust how much I purchase of various asset classes to rebalance.

Basically a three fund portfolio without the bonds portion, which I'll only aquire near retirement:

https://www.bogleheads.org/wiki/Three-fund_portfolio

>>50137015
I am UK based and the boglehead forum seems to be dominated by US posters, do you have any other suggestions to learn more? currently going through their wiki but have yet to find an equivalent forum

unironically all in GME

>>50138072
how do you people still afford internet?

>>50138072
Stocks, crypto, housing, commodities are all going to shit the bed as soon as recession is comfirmed from the next gdp reports sounds only logical to sit in stables and get as much yields as possible.

>>50130041
short eth 20x leverage to 500

>>50138728
Could be a good option getting yields just that you have to be careful in selecting the protocol to leverage on.

>>50138940
I am more for diversifying my portfolio across several yield farming protocols like spool offers.

>>50131573
Because the S&P is just the tech giants. It's overvalued and will correct.

>>50130041
Am i the onky one who sees what stocks make up the bulk up the etf and just does it myself? It's literally free and you can periodically readjust.

>>50139283
Using InvestEngine?

>>50139283

>It's literally free

My time is worth more than a 0.03% expense ratio.

>>50130041

Honestly?

Buy BATS. It's still undervalued and will give you a juicy dividend. New generation tobacco products will drive revenues moving forwards

>>50130426
whats a good small cap value? i have vsiax but i heard bad things about it

>>50139755
AVUV

>>50139696
Just buy apple instead. Ponzinomics

>>50139349
I'm lazy and just use ToS
>>50139696
>expenses on red funds

>>50139283
Lots of direct indexing products now, Fidelity has one but it's expensive

Fractional shares and 0 commissions mean buy your own stocks. Stop giving these giants your votes and shares

>>50142202


They are required to tell you exactly what's in their funds so there's nothing stopping you from copying their allocation or slightly tweaking it to your performance.

>>50130840
Most people don’t save up money.

>>50132360
>>50130041
Buy xbi, biotechs are way undervalued.

>>50131603
Just don’t watch the portfolio. Go 100% global stocks (US+International) and don’t look at the portfolio.

>>50130041
is Vanguard money market monies safe in the upcoming shistorm?

>>50142624
Lazy lazy advice. Buy stocks with fractional shares and commission free trades through Fidelity

>>50142577
Checked and correct. Instead of $100000 in VTI, buy $3320 in AAPL, $3000 MSFT, $3000 GOOGL etc.

>>50130410
Don't put non tax advantaged money into vanguard. Boomer stocks are dead and Vanguard is hard pushing the ESG globohomo shit

noob to investing here...

i have withdrawn 1mm from crypto and i want to just put it into VTI and forget about it

from what i understand VTI is VOO (SP500) but with small and mid marketcap stocks.

question: how are these small and mid marketcap stocks chosen? are there guidelines for them making it into the index in the same way there are guidelines for them making it into VOO (publicly traded company with market cap larger than the 500th company)? what are the guidelines for the small/midcaps in VTI? are they handpicked or do they also use some similar guidelines (if marketcap >x then voo, if marketcap >y then midcap vti, if marketcap >z then smallcap vti)?

>>50142827
but are they pushing globohomo shit because they are politically motivated or because they feel they can profit from ESG retards by offering financial products that side with their beliefs?

Why not QYLD or JEPI for dividend income?

>>50141098
which portfolio percentage do u recommend

>>50130041
straight to bsb and dog bat

>>50143133
Don't ask questions goy. Didn't you see the other title? It's the total market.

I would recommend bogleheads wiki for this question. They have strategies for matching vti.

Honestly though I would always recommend simpler indices. 500 index + small cap gives you more control and visibility.

>>50143397
I hate that I'm still at the stage where this is the best option, still kicking myself for not selling last November

>>50130041

Where my europoor VWCE & chill bros at?

>>50130041
Strangely large number of people in this thread who are suggesting to not own bonds.
Diversification is free lunch.
Though they havnt been any help this year, they have been very correlated to stocks.

For myself, its a Risk Parity portfolio of my 5 major strategies.
>algorithmic, long-only stock picking
>simple, long-only high quality bonds
>Gold bullion, GLD held only for easy rebalancing
>momentum and trend following in commodity futures and bitcoin
>neural net powered option buying, long volatility

>>50145968
I am thinking about going 60/40 for life. But don‘t you cringe when looking at the negative real returns of investment grade bonds?

Suddenly have 600k for reasons. Want to split 50/50 between crypto and stocks. Crypto for high risk high return play and ETF as safety net. Plan is to DCA over the next 4 months into both. Current plan is Vanguart FTSE all world (Acc). Is this a wise plan or am i retarded?

>>50130483
Cringe, you must be 18+ to post here

>>50146890
Yes, they drag a portfolio's performance but they improve risk adjusted metrics of the portfolio.
With the options, futures, leveraged ETFs and the margin available from my broker, simply put, my returns are in no way dragging.

>>50145968
>>50148563
ID change from Red to Green. Heed this warning.

>>50148563
>>50145968
I like your strategy anon. What algos do you use? Also, are you playing BTC futures through BITO and BITI or another way?

>muh bogleheads
you can rebalance it however you want and still lose. there is no risk aversion when everything follows the same line.

>>50149812
Yup. Bogleheads are foolish. VTI was held up by 7 companies the past 20 years

>>50130084
That's decent for the average Brit

I am all in on VTSAX because America is the best country regardless.

>>50148563
I am hesitant, since I still have to build my wealth. On the other hand, I took my time and read a lot about risk. Everything I read points to diversifying into more than just a broad equities etf. It‘s just so hard to put that into practice and diversifying into bonds in the current environment.

>>50130041
>sign into vanguard
>buy global all cap
or
>download dodl
>hsbc all world

Why the fuck are you even bothering with bonds when you're not even 30

>>50130948
>But I am a bit concerned about the negative real returns of the bond allocation.
Have the allocation with what you are comfortable with, you could go 80:20 if younger. The bonds are just a counterbalance to stock volatility, they may become more useful over time with rising interest rates

OP is extremely gay

>>50149682
Every online portfolio selection / universal portfolio based algo from the literature.
Then I boost them.
And then I use a novel parameter selection risk mitigation method I developed. I won't post it here yet. After I've made my money I will try and get it published for clout.

I tried other things, but they didn't perform according to the goals. For example the stock portion of the portfolio is meant to capture all the upside of owning stocks, and let diversification handle the downside risk. Which is why it's long only.

The outputs of all of these algos, and using their same inputs are fed into other algos, right now a big neural net, to produce an expected distribution of future returns, which is used by a much simpler method for choosing the optimal combination of buying and selling options.
Once again the option portion of the portfolio has limited scope. Its goal is to profit from large price movements, and not drag my portfolio down with premiums.