/biz/ - Business & Finance

>>53585731
Why haven't you been DCAing into the SP500 since you started working? I'm already at $450k at 25 because I've been investing as much as I can

>>53585731
Your life sounds like it sucks and that you're a fag

>>53585731
what [expletive removed by admin LadyGeek] is wrong with you?

>>53585731
Don't fall for the crypto meme, chances are you are going to lose money. Keep investing for the long term.

>>53585786
This.
>I save and save and save and fuck escorts
Kys

>>53585752
Well when I started I didn't know shit about the boglehead approach, I was too busy trying to make money first before learning about investing which is imo reasonable.

Then the whole clusterfuck started, I thought with the war we would revisit pre printing-machine pandemic inflations but we never did which is retarded, but what could you do. So right now im 100% cash. If I start DCA ing (I will go with Vanguard Global Stocks ACC index fund not the SP500) then I will lose ammo if I wanted to buy something more risky, which would be BTC because what else is there.
ps: When I say more risky, I mean a reasonable 2x, in a reasonable amount of time, with enough liquidity.

>>53585786
>>53585813
Somebody's mad.

>>53585850
>oosex ID
I take it back, I kneel

>>53585731
Just short biotech companies, they usually rely on a few inventions and inevitably meet with financial problems, failing to get through regulations etc

>>53585731
Gamble on options for biotech

>>53585731
Looking for fast money is just going to make you poor faster. No shit everyone wants to get rich as quickly as possible, but outsized returns are only possible with outsized risk, and it’s very easy to crank up the risk all the way up to retard scam tier level in search of yield.

>>53585731
taylor swift's exceptionally sweaty anus

>>53585869
>>53585875
Name some tickers. What are you shorting?
In any case, shorting is retarded, you can end up liquidated, with bagholding you at least have some copium that someday somehow it will go above entry price.

>>53585850
I'm younger and richer than you and can have sex with women without paying them. Umadbro?

>>53585731
if taytay fudged her own token as a full spread nude with some nice whisky or rum, that would be the last and final pump btc would need to hit it a decade revival. it's up to taylor swift and her beautiful feminist breasts to give the world that last beam of hope for the future..
will she accept the responsibility?

>>53586400
Nice dubs, now set the alarm for tomorrow.

>>53586021
This is the post I was waiting for kang

>>53585731
>SP500 needs to be at 8000 for you to 2x your money
Yeah, it doubled in less than two years after the covid crash, but that’s not happening now. If tou want to get there quicker you could use leverage and hope for a sustained bull market. I don’t no any other way to double your money than to invest in SP500 or NDX and just wait

90%+ of people underperform the market when they invest on their own . OP thinks he is being a prudent investor but actually he is just a super degenerate gambler

>>53585731

The S&P gives 10% avg returns before taking into account avg inflation of 3%, so long term avg inflation adjusted return is 7%. This means on avg, your money will double every 10 years. You also can’t just look at the face value of the S&P, you have to take into account dividend reinvestment which has a surprisingly large effect on your returns, pic related. Of course, you will lose out on some returns if you keep an index fund in a taxable account since divvies are subject to taxation, this is another good reason to invest your money in retirement accounts. Like other anons said you don’t need to put 100% of your money into the SP500 but you can’t get more returns without more risk. I have 500k in SP500 ETF’s at age 30, I am comfy because even if I stop contributing to this fund, I will have $2 million by 50 and $4 million by 60. This is my backup plan in case my other risky investments don’t work out.

https://www.fool.com/investing/2022/08/27/what-the-sp-500-can-teach-us-about-reinvested-divi/

>>53585731

>>53586445
>NDX
Yeah but this could be even more bubbled than the stock market.
Leverage, I considered QQQ in the past, the problem is, if you have a bad entry, you'll permabag, and who is to say Burry isn't right and we are about to shit the bed to precovid levels.

>>53586509
What about the MSCI World?
https://markets.ft.com/data/funds/tearsheet/summary?s=ie00b03hcz61:eur

I think this is 8% avg returns yearly?

The thing with going 100% SP500 (at least in terms of the "safe long term allocation") is that you are going 100% USA, and sometimes we've seen a 5 to 10 year period where emerging markets beat the SP500. And with China looming on the horizon who is to say US remains the top dog.

And you mentioned you have more money in risky investment. How much and what are you holding?

I only have 400k total. If i start diluting it too much, i'll make tiny gains.

>>53586728

It’s probably fine to invest in world, bit more diversified. A lot of US companies do international business so you’ll still get global exposure sticking with SP500. The thing about China and other countries is their systems are more closed off and rigged against foreign investors. There’s a lot of growth opportunity but the legal systems in those countries can fuck your shit up. Less respect for international law, property rights, individual freedoms = bad for business

>>53585813
>>I save and save and save and fuck escorts

literally me, also acid

>>53586728
You have 400k? Why not put 300k in SP500 and pick a handful of stocks with the rest and hold 10 years. Maybe some of then will 10x, 20x or even more

Go look at the chart at the time when it was at 2000, and look at the time it first hit 4000.

>>53586728
bad entry is irrelevant/impossible if you continue to DCA your entire working life

>>53587371
I think it 2000 some time in 2014, and 4000 in 2021

>>53585752
When do you think most people start really working? I didn't start full-time work until I was 24, I could retire feasibly with 450k though if I had that much with a 15% dividend yield annually.

>>53585752

You realize 400k saved at his age is exceptionally well (top 10% or so), as is being a millionaire in early 40s which he is on track to do, right? Even with aggressive DCA into the SP500 (30%+ salary) and an above average income you likely wont hit those numbers

>>53587441
Same anon you are replying to and I think most people start working full time at 22 right after university. You are also delusional to think you can get 15% dividend yield without it being a yield trap

>>53585731

Growing at over 30%-50% a year and solid growth continuing for the next decade... TESLA

>>53585752
>I'm already at $450k at 25 because I've been investing as much as I can

let me guess no student loans, didn't need to pay for apartment, upper class parents, nepotism in job?

>>53588106
By working since I was 15 and living with parents. I sacrificed a lot of social life to put myself in this position

>>53585731
>Mommy Tay's face when she hears you've been gooning again

SP500 are the biggest companies of the world, of course poorfags are wasting their time. You are better growing your current income (career, business) than investing, which is only for accumulating a already big income (or actually getting good ad making good returns on smaller stocks)

>SP500 needs to be at 8000 for you to 2x your money
that isn't how it works
between 2015 and now my net worth has doubled every couple of years

frugality, tax efficiency, an optimal (optimal does NOT mean as high as possible) income, and consistency are the key to wealth
but more importantly no amount of wealth will make up for your non-white skin, manlet height, tiny dick, and tragic hair loss

>>53585731
>I WANT TO BE RICH OVER NIGHT
NGMI

>>53588119
Do you regret it?

>>53588225
Sometimes, but I look at my old classmates instagrams and linkedin and they all have shit jobs. They post about eating out and going on vacations all the time, but I know their jobs don't pay shit and they are living paycheck to paycheck. I have a nice career and I don't have to worry about the future

>>53585731
>SP500 needs to be at 8000 for you to 2x your money

God bless the baggies. They are the life blood of the stonk market

The benefit of S&P funds isnt the risk weighted returns, though ~10% is very solid. It's that because of the diversification and historical performance you can literally yolo everything into it and be A ok. ~2-5% of my net worth is cash, 85% is VTI, and the rest are riskier assets. Compare this to the average individual who maybe invests a little with their 401k and that is it, you can make a killing over time by going all in on it.

The only other way is put everything into much riskier assets but again you can get wiped out that way

I am 100% stocks as well. Has anybody read this paper about why and how stocks are still risky? If yes, do you add bonds?
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3805927

>>53588435
this same concept except not being a wuss is why TQQQ and QLD are god mode. There's no argument for owning anything else in modern times.

Get 2x or 3x leveraged in, and just wait. Investing is solved

>>53588225
>>53588271
Regrets at 25?
He has barely started life. What are you talking about?
Don't bother replying. This is my last post for now. You will know soon enough.

>>53588225
He's LARPing.

>>53588608
Buying index funds is the way to stop losing purchasing power from inflation even if it "drops" in a certain amount of time over the long term you can be sure you can still afford the same things you could 30 years ago from the growth/dividend payouts. Anything that only pays out cash is a scam.

>>53588608
bonds used to be a scam with 1% yields, but now that rates are raising I'm starting to dip my balls into the higher yielding etfs.