/biz/ - Business & Finance

>>52706150
the point of bringing my marriage up was to preface this with-

I'm a 28 year old with the real-world economic knowledge of a raccoon. I have never done taxes or traded stocks.But this is something I want to learn on my own without my family's help. I was just hoping for some constructive feedback on the research i've already done.

kneepads?

>>52706150
post tits first

>>52706150
Tits or gtfo

>>52706221
>post tits first
Thems the rules

Larp because there are no females here.
bonds: less interest than inflation
index fund: only the fund manager profits
etf: depends on the etf, energy would have been great a year ago, especially fossil fuels / coal...

so i would suggest:
5k in one etf you like
no bonds
no index fund
10k in safe stocks like mc donalds
10k for the crypto bottom.

all in ethereum right now or bust

>>52706221
Well, ok. Since I am essentially soliciting for free advice and you guys probably get a million of these posts. Fair warning I have breastfed 3 children

>>52706262
>less interest than inflation

i fucking hate studying these boring ass topics like politics and economics where every source you read disagrees with the previous one.

>>52706327
BOOOOOOOOBA IM GONNA COOOOOOOOOOOOOOOMA
AAAAHHHAHHHHHHHHH AAAAAAAAAAAH OOOOOOOOOOH MY GOD AHHHAHHH OHHHHHHHH FUUUUUUCK AGHHHHHHHHHH

>>52706365
Its still a larp because no timestamp. I know youre a man anon.
But in short dont buy bonds...

>>52706327

Ok, you earned it. Your husband seens like a conservative investor, but i also do believe you both are not rich yet. As this spare money wont be of any use to both of you since he provides for everything

Just buy bitcoin, pick this 25k check and buy it all on bitcoin, marketbuy and wait till you see on the news "Bitcoin is worth 100k!" can be 2, 4, or 6 years, but it will happen eventually

and pronto, you 6x your check

>>52706327
>Christian values
>proceeds to post tit
Checks out. no time stamp And only 5 replies actually You failed dude

>>52706365
The only reason the two are contradicting is government is saying 1 thing and reality is saying another.

>>52706327
reverse image comes out clear but no timestamp

>>52706394
people have wildly different views on what rich means. We own many rental properties, 2 thriving businesses, and are building our 3rd new home. But ignore all that. This money has nothing to do with that.

It all comes down to I don't want to squander my grandmother's hard earned money. I think my husband would also be really proud of me if I could do something smart with it.......but i'm not smart so just fucking tell me what to do.

But no crypto

hard pass

>>52706327
god i want a wife so bad bros.

>>52706469
Ok, one more nude and I'm gonna give you some solid advice

>>52706469
Buy a vacation for the amazon and do Ayahuasca. Otherwise buy some btc. If you buy bonds you're a dumb whore

>>52706150
>$10k I bonds
>$10k VT Index Fund
>$5k other etf
>>52706327
since you posted booba dont trust kikes in any investment. i would just buy chainlink eth btc. trad fi is going to take a shit so dont put your money in there.

>>52706327
is this real??

>>52706415
look i've got a fussy baby that's winding down for a nap which makes it hard to do anything. If I get some decent advice (read: no crypto) I will post again properly after I put him down for a nap.

>>52706412
ok makes sense....their whole double backed by the government thing did give me an uneasy feeling
>>52706401
eh, I'm a balanced person. I'm posting tits as anon. People have bent logic into much stranger shapes to justify their beliefs.

>>52706393
ok then what

>>52706547
i gravitate towards traditional finance because my grandparents were smart and successful using it and I don't like young people and i reject new things and i can recognize the cognitive dissonance but it's no use

no crypto
surely there's some way to beat inflation on $25k

i have a 401k, what if i just dump it all in there lol?

>>52706576
Ok, you have a good start which is looking at safe stuff which will hold or gain value like the bonds and indexes. the tricky bit is choosing the etf you want to pur your 5k in. Wrong etf could go badly which makes me think multiple safe stocks would be a better idea

>>52706645
also post tits again before the thread gets shut down

>>52706645
i get you hesitance. here is the thing, the tradfi is on the way out and we are in a transition period. its going to be a hybrid world with trad fi and decentralized systems. you have an opportunity to get into the ground floor. you already have Stocks and land. why not just put it into a stable coin and put that into aave and collect an apy

>>52706730
>>52706677
>>52706677
are i bonds at least an ok mi term investment? Will it not hold value for at least 5 years?

5k ibonds, the rest 5k in individual stocks and etfs
anything i'm missing

>>52706746
because I don't know anything about crypto and I'm not interested in learning. Look I'm not looking to make some big profit here. I already told you I just don't want my money to lose value.

>>52706327
>>52706780
I can't believe you already had 3 kids. That's a very nice body.

>>52706780
stable coins only deviate a couple cents here and there. its like a crypto dollar that you take control over. you have full control of it i get it though. Anyway you have a very attractive body and your tits are in very good shape for three kids.

>>52706806
>its like a crypto dollar that you take control over.
oh move over let me throw all my ancestor's money at that ripe honeypot of a description. I'm all in

fucking stocks is how you get rich playing Neopets and life imitates art so stocks it must be.

>>52706797
thanks. it really helps to start young. I highly recommend having kids in your early 20's. I had very easy pregnancies and l/ds.

pic of our newest townhomes

>>52706935
im made 5 million dollars from last cycle while working at a grocery store. you do you.

>>52706327
that is a man and that pic is from 2018
gj baiting those morons

>>52706469
>"no crypto"
It's so delicious when years later they regret of this, happened all the time

>>52706150
This whores investment strategy is unironically better than 95% of people here

>>52706935
also this post leads me to belive your a man or a tranny.

>>52706780
Hmmm yes. I want to have sex with you.

Put the money in a high interest savings account. Everything's about to shit the bed and cash will be king. Plus you get decent interest now. You have full flexibility to put the cash into something else at the bottom.

>>52706327
>>52706780
>Femanon delivers for once
>Almost no replies
This is not fair.

>>52706972
i did not come here to get told to put my money in the bank
>>52706976
it's for the best
>>52706949
i don't even know what the fuck that means

>>52706780
Can we see the back side

>>52706780
fucking kek you don't need to know anything, just go for the bigger one which is BTC and hold, gains will be lower than taking risks with altcoins but way more than stupid stocks

>>52707080
>i did not come here to get told to put my money in the bank
You said you want to beat inflation. I'm telling you cash under the mattress will beat "inflation" because we're about to see big deflation. The rising interest rates will mean less loans issued and more loans getting paid down. This lowers the money supply. People need money to pay their expensive loans and as they pay off the loans money is becoming more scarce. Supply and demand. Cash will be more valuable. The interest is a bonus.

Or just buy an ETF like every normie retard about to get slaughtered. Good job with your research (listening to retards).

>>52707080
Sup, I am basically you but I work in finance.
1) bonds are dogshit right now so long as interest rates keep rising - instead you could place that into an annuity if income is your goal
2) ETFs are great if you pick an industry you know something about
3) index funds are what almost everyone should stick with unless you have a real need to beat those numbers for some reason.
4) if you DONT need the money and this is for fun, throw it into a Roth IRA because all the gains from this are tax free when you hit age 60, and at an average of 8% per year gains you’ll see a bit over 300 grand from this by then, all tax free

>>52706780
Bend over for more financial advice

>>52707168
Awful advice. It's going to be a different world in 30 years. Locking your money in a Roth type deal is as good as taking the longest HEX state.

>>52707245
You think taxes are going up or down over the next 30 years? We’re not talking about day trading pink wojaks here, we’re talking about an average person with no financial savvy, this is by far the best option for risk pooling if the money is going to be in the market regardless. You could take that and put it into real estate or commodity/energy futures sure. Water is a great option right now. But again, we’re talking about the client here. Best bet is to average out those returns and avoid all taxes

>>52706150
It really depends on your future liquidty needs.
25k is not really enough to effect much in interest but to risk it all in coinage might lock it up to long.
If you think you will need this 25k back within 24 months
Option 1:
5k Ibond
15k T-bill ladder (better than cd or high interest savings for the moment)
5k bitcoin (as long as price below 21k)

Option 2: Mid to long Longer term holding horizon
10K I-bond
10K Schwab sp500 index fund (swppx lowest fees currently at .02)
5k Schwab small cap fund (swssx 0.04)

Option 3: Very long term investment horizon
If you qualify, chuck it into an individual Roth IRA or HSA account (14k max combined) and the rest into a two fund portfolio 85/15 as indicated in Option2 ( swppx/swssx)

I have no idea of your tax situation but you should take that into consideration, I am guessing if your husband gave you carte blanche it must be under control.

Very nice body Anon. We love to see bobs and vageena here. 3 kids, very impressive. I hope they are white and not mutts. Maybe an ass shot or legs m'lady?

>>52706150
Here’s a tip: take the 25k and put it in the bank.

If you must, take 2.5k of it and invest it into whatever you want. Keep track of that investment. Learn from that. When you can reliably beat Warren Buffet or Soros, get a job at an investment bank. But for the love of god don’t touch the rest unless you’re about to become homeless or lose a limb. You got your financial cushion handed to you, don’t waste it in the fucking casino. And also never show your tits on the internet.

>>52706954
how do you know

>>52707311
That's great advice for real world people if you're offering them professional financial planning advice. It's very reasonable. They will be pleased about it. It is "correct". We don't come to 4chan for that bullshit though. Post on reddit if you want.

More or less taxes? It's going to be A DIFFERENT WORLD. Stay flexible.

>>52706327
Girl, just don't buy cryptos, invest in things that pay you

What a great woman your husband has married, get asked by one random stranger for naked pictures and you strip down immediately, appalling

>>52707524
It's a LARP, the pics are from like 3-4 years ago

>>52706150
gjfollowingtherules.

ibondsaregoodandsafe.protectyourinitialcapital
indexfundsare...kindofdogshit
buy10kworthofchainlik(tickerLINK)andthankmelater

>>52706150
you will never be a woman
>>52707626
also, this
Fucking newfags I swear

>>52706327
I would divorce you for cheating on me with this board of males by posting your pics only for your husband.

>>52706150
also buy at least 400 million Shiba Inu at the minimum

>gets 25k
>too scared to ask husband for help
>proceeds to post nudes on internet for attention

woman, amirite? hah

>>52708854
im glad she appearently posted those 2 nudes. I can now add christian females will strip for other men the moment money is involved and years of marriage and 3 kids mean nothing to her. cool just more ammo to my dont trust any female ever pile.

it's a larp you retards
i'll believe him when he shows me his butthole

Invest it in moonshot stocks and crypto. 25k is nothing to scoff at but it's also not quite enough to really do anything significant with. Just take calculated risks, don't think you have to make trades. Gaining nothing is better than losing.

>>52706173
Just learn it from your family. That's why they're there.

>>52706150
>$10k I bonds
>$10k VT Index Fund
>$5k other etf
>if I do this will my money at least not lose value?
NO! The economy (and the dollar itself) is literally about to implode. Buy real money, gold and silver (50/50 split), with your dollars.

>>52706327
lol lmao actually real. wow.

>>52706150
Not knowing about your finances doesn't make you look like an idiot if you're in a marriage where the other person manages the money effectively. If anyone implies such, just mock them for not having a trustworthy partner or for being poor, even if they're happily married or richer than you.

With only 25k I'd just dump it all in a total stock market ETF and treat it like emergency savings.

>>52708878
If my wife leveraged her sexy body to get simps to give her financial advice in order to win my approval I'd find that pretty damn hot. It's not like anyone here has a shot at her. Her womb is secured by her man while she uses her feminine whiles to enrich him. Ideal woman.

>>52707211
kek

>>52708928
Interested in what cryptos you would tag as "moonshot"
I'm holding bitcoin and only few other alts; eth bnb (cos of cz), matic (partnership hype), sand and ride (metaverse tech)

>>52706780
Stick your money in fully allocated gold or silver (Kinesis/Allocated Bullion Exchange), or actual physical gold or silver. (jmbullion, etc.)

You won't lose money, and you'll probably see significant appreciation during the recession as these assets appreciate in bad and inflationary times. If you go physical, you have something spendable in an emergency without power or access to internet.

>>52706780
How do I find a wife like you? I make 270k TC as a software engineer

>>52709259
yes but you sound like an abomination to manhood cuckold and nobody but cuckolds respects or takes a cuckold serious. So of course cap'n cucky would find his wife stripping for other men "hot". you're not a man

>>52706327

wait for SPY to hit 320 next year and all in TQQQ

>>52709415
cuckolding is when you're denied puss while paying for puss even moreso if you're denied children while paying for children. This is the opposite. Her husband is getting paid AND getting children and puss and anons are doing the paying and getting nothing. Simps are the cuckolds here. And you're quite litearlly a moron

>>52709455
kek wanting to watch your women do sexual things for other men is cucky capn tier homie... not sure what you're on about but no her getting money and him getting money doesnt change its a capn cuck situation. seethe cope bald moar and stomp your feet and go NO NO NO but it is what it is capn cuck

>>52706327
Nice tits

>>52709330
What chance do metaverse projects stand in the coming bull run? most seems to have gone under the radar imo

holoride seems to still have a bit of juice with the launch of their vr game and nft collection.

>>52706469

You're already fucking rich. 2 Businesses, a 3rd home on the way, and $25k just given to you like it's nothing. Fuck you. There's no way I'd ever give advice to someone that's already rich like you.

>>52709546
Imagine being a bisexual simp cuck and that idolizes neanderthals.

>>52709330
idk depends if eth succeeds or not
I hold only btc and eth at the moment, I think the next bull run will be a continuation of the nft mania and governance tokens.
That's my point though be patient keep an eye out don't just buy random shit because you are bored.

>>52709592
The hype is still fucking alive, meta is pushing hard for metaverse adoption and that would on the long run effect projects in that direction.

>>52706173
>I want to learn on my own without my family's help
Then you're already fucked. Set aside your ego and ask questions. Men love "mansplaining" their interests/hobbies. You're keeper will probably be pleasantly surprised and fucking relieved you're actually asking questions. But if you "don't like his tone" or the way he "talks to to you".

>10k I bond
You can't sell until held until 12 months. The optimal time to sell these are when you start hearing people say "the stock market is back".
>10k VT Index fund
>5k other ETF
You're only 28 so you want to be more biased towards "growth" stocks/funds. Take that 15k and go 30% VT Index Fund and 70% QQQ

>>52710168
feel their low-key aim is to completely monopolize the space.. Mark is a bozo
>>52709592
seems interesting if they're able to get things right with the tech, user adoption etc.

>>52706780
This is literally a man with gyno

>>52706469
>2 thriving businesses

What type of businesses, what do they do?

Also how much is your income with these businesses?

Also this has to be a fucking LARP

>Wife of wealthy and successful husband with multiple extremely successful family members literally giving away $25,000 asking for advice on an internet troll forum
>decides to post nudes for entire world to see instead of asking literally anyone in her family
>no timestamp

>>52706327
Nice, I'll give you some actual advice.
Since you and your husband already have a lot invested in relatively safe ways, it could actually be a good idea to invest in something riskier with potentially higher upsides. If you've been here for any time you'll know this is a Chainlink board, and so I'm going to recommend buying Chainlink. My wife and I are the same age as you and we already have a bit under 20k tokens, even though it could have paid off our house and more at the peak.

>>52706469
>No crypto
Why do you not like crypto? You seem smart enough to read the Chainlink white papers or at least to watch a SmartCon keynote, there's really no excuse to not know how it works at this point.
With bonds you WILL lose money, because it's a risk avoidance technique. With shares you might make some, but it's much more likely that they will continue to dump as we go into the next recession. Likewise 99% of crypto will die, but if you DYOR you can find the few projects which will survive and even become indispensable infrastructure.

>>52706150
Honestly, that's not a bad plan. Carry on, totally real woman.

>>52709398
>make 270k TC as a software engineer
back to work, wagie.

>>52706150
invest in bit hotel
easy x10

>>52706780
fake boobs

>>52706150

buy tesla stock forget it about for 5 yeras, enjoy your 10x

>>52706150
The 6.8% I bond is nice but don't tie you money up for a year. Put all 25k in t bills. Buy the 4 week bills so you can stop the reinvestment within a month. Wait for shit to hit the fan in 2023 then pull your money out. There will plenty of starving people in 2023 will to cut all kinds of deals with for a little cash. What you do from there is up to you. BTW those aren't tities that have had 3 kids sucking on them. That ring is a 10k plus ring so there's that too. Atleast you did make some simps happy tonight. Praise jesus.

>>52712671
the funny thing is the "good samaratin" here learned absolutely nothing

kek why do girls hate crypto

>>52706469
If you’re too stupid to download an app, buy crypto, and put it in a cold wallet, then just buy gold and shut up. It’ll hold its value forever and your ‘husband’ will feel like a gay little queen and put it in his safe where he keeps his one glock 17, no ammo, and a watch his grandpa gave him.

Maybe been said a few times but first 10k in ibonds as you mention in OP is a no brainier. It's literally a government hand out of 9% risk free treasury when in the free market it'd be 4.5%. take that. The other 15k a random vanguard ETF would be plenty fine no one can predict the future

>>52707168
>Roth IRA because all the gains from this are tax free when you hit age 60
then why am I paying taxes on my fathers shit that I inherited? fucking money grubbing faggot IRS.

>>52706645
The more I read your replies the more I hope you go bankrupt in the coming collapse and desert street militias ravage your suburban pussy for slivers of rice. You favor trad fi because it worked for your boomer parents in their prime? No fucking shit idiot it worked for everyone during that time, and youll be flat on your ass if you dont begin to understand todays finance. But like you have already said you wont and would rather post tits for 401k advice, now that’s RICH

probably invest a good amonut of it, then have like 5-8k to gamble with. lurk here and wsb (yeah im a faggot) and try to get a grip on options trading. With options u can amplify ur gains wayyyy more than stocks. investing how u want will be slow and in ten years u might have 35k from that 25k. with options u literally could go limitless depending on how retarded u are

>>52706469
Bitch, buy Bitcoin it's literally that easy. Also shut the fuck up cunt, your husbo knows you are a dumb ass already so you could go and get your self yen pairs of new designer glasses instead. Fuck

>>52706576
>read: no crypto
Dumb whore get the fuck out.

>investing 25k
pay off any debts you may have
go to college if you haven't already/if you can advance your career with more training
if you are currently renting, you should use this as a downpayment for a modest home if you have the credit
max your retirement accounts
HYSA, Tbills for amounts you intend to spend in the near (1-5 year) future
Brokerage account

>>52706645
HOLE, STOP ARGUING WHAT YIU DO NOT COMPREHEND. You have no idea about financials and this is why you are here a supposed married woman slitting it up for "good advice" on how to invest a mere 25k. Shut the fuck up b and do what the big boys are doing, stop trying to inject your personal inability to understand systems into the conversation. The only good advice you can get is crypto, you fucking cunt bitch . Gm from khazakstan bros

> no crypto
gtfo normie whore
>>52712903
Because the joos are trying to stop generational wealth to make even more reliance

>>52707080
Dumb bitch, you came here for attention with a retarded story that makes no sense, but might actually be true because you are so fucking dumb, posting your nasty ass body. Everyone told to just buy Bitcoin, but you said no crypto, on a board that is 99% crypto threads. I would tell you to short the housing market ASAP, but you won't listen to that either. We are about to enter a recession, money is going to get very tight. If you aren't shorting right now, your only other option is to wait for the recession to hit hard and wait it out. Even treasury bonds aren't safe right now. Once you think everything is bottomed out, that's when you buy and make some good money, after the recession and deflation once they start QE again.

>even /biz/ is just a conglomerate of faggots, incels and redditors
god I hate this piece of shit website

>>52712873
How DO you buy crypto? Do you have to go to an exchange? Wouldn't they have my debit card info then? Can I just pay cash at one of those bitcoin ATMs? Can you sell it back at those atms? Or do you have to get on an exchange?

>>52709546

>>52712365
Anyone smart enough knows chainlink is token not needed and only relevant due to the amount of bag holders

>>52713717

>>52706780
holy fuck I would rail this whore for days at a time

>>52706797
lel the simps are already lining up
do an onlywhore and you're set for life

>>52713732

>>52706327
Thanks.

>>52706150
Your investment plan sounds good. Do you have a personal Roth IRA or IRA? If not you can put some of that investment there (not the ibonds because you have to buy those from gov).

For the "other etf" there are a lot of options, make sure to look at the top 10 holdings to make sure they are things you are comfortable with. Some fund titles obscure shitty investment.

>>52706780
go all in bitcoin and you'll have 250k in less than a year. remember this post when it happens

>>52706327
youre a literal whore lmao

>>52712861
abstraction is beyond most people
they cant see it, touch it, smell it, taste it or hear it
so its not real

>>52706327
That’s a man.

>>52706327

>>52706150
$10k I bonds
$15k ladder 1 month Treasuries until the market bottoms next year, then put it all in SPY at $300-$325.

>>52712671
thats what he gets for helping a hobo

>>52706150
hello amy, all in chainlink ticker: (LINK).

>>52706327
nvm you're not amy. hmmmm. anyways you should go all in LINK.

>>52709259
>Her womb is secured by her man
No one wants to hear about your wifes boyfriend

>>52709398
Don’t stop pickin that cotton boy

>>52706150
just buy silver and gold and don't tell anyone about it except ur husband and tell him not to tell anyone about it

>>52713793
fucking kek

>>52706327
>$10k bonds
lmao, bonds will never outperform inflation, it's not an investment it's a glorified bank account.
You should take significantly more risk than VT. most tech stocks have been hammered to the ground, and people have fled into safe investments, there is real value in these things.
My recommendation since is ARKK or any of the other ARK etf's. FAANG is also a solid option.

Don't be fearful when everyone else is, you should take risk.

Actual reasonable advice in thread but OP already left...

>>52706150
REIT “O” into a Roth or Regular IRA.

>>52706150
>>52706327
I have some good free advice for you but answer me this: how did your boobs change after pregnancy did they get bigger?

What bust size and cup (US size) were you before and what were you after?

Stop telling this braindead whore(28 and knows how to do nothing and posts nudes on 4chan) to buy crypto. Crypto is for us to make it off retards like this.

Real advice for OP, buy crypto in exactly two years from now when you see it on the daily show.

>>52718304
Would you really say FAANG is risky?

>>52706780
goddamn, you must be so poor that you have a phone from 2010 because that's how phones from that era produce pics of such terrible quality

>>52714984
Buy this, and add vet, sylo or something with real life use case, and stake
get a job to make more money, we have to be realistic, there'd be days the market would be down and you won't make much.

>>52719843
Everything is risky, just play safe

>>52706327
>>52706780
Oh my gawd. Why are you doing this to me? I am starting to regret dumping my gf

Also:
If you want high risk high reward:
Put 70% in BTC and 30% in ETH.

Medium:
Buy Blackrock Silver / Gold ETF on local bottom - it's cheap now.

Low risk, decent reward, work needed:
Buy physical silver, preferably coins. Buy only in bulk offering spot price. Hodl and sell later one by one.

>>52708829
Can you fucking stop dealing with Shitcoins and go get utility project. There is ALBT, QNT, ALGO and many more loser!

>>52706780
I just came back to inform you that I will be busting a huge nut to this picture tonight. I can print it and post me cumming on your titties if you're intrested
Cheers!