/biz/ - Business & Finance

>>54486278
Which country?

>>54486338
Serbia

>>54486278
Meh I'd just throw it into Nasdaq stock. Getting a 10% return or more shouldn't be that hard

>>54486382
don't professionals struggle to make 6% per year consistently?

>>54486387
Trading SPY and Nasdaq can be done by any room temperature IQ person. You literally just get out when the FED does dumb shit like increase rates and buy when they print money. But if nothing is going on an average return just holding is pretty easy to get 7-15%

Taking out 3 percent of 100k a year would net you 3k cash a year and you would be almost guaranteed to never run out. Throwing it in sp500 would be a bit risky since you want to stop working now. If you wanted to stop working in 7-8 years you would probably double your money if you kept investing and threw it all in spy. Then you could retire taking out 6k a year and never run out.

Basically I’m saying you could stop working right now and supplement your 3k income with whatever job you want. Or you could keep it growing and now have to ever work again in under 10 years.

How did you save 100k on a 6k income?

farm airdrops and try your best to accumulate 500 or 1000 LINK

>>54486468
bought 100$ worth of efferium right after the 2020 crash, and got extremely lucky with crypto and airdrops (uniswap, 1inch and COPE on Solana)
never used leverage or CEX-es.

>>54486408
I'm a bit reluctant to invest in burger stock market, due to both BRICS situation and paperwork complications

>>54486278
ciao, jedno pivo molim

>>54486625
Zajecarsko?

>>54486278
Wait for the everything bubble to pop and then buy a few thousand in ISO coins at the bottom and whatever else you want. For now hold cash or hyper-liquid assets. Don't worry about yield for the next few months. If you are patient you can get insane returns with safe investments instead of losing it all now.

>>54486278
Use half of it on KOY, double/triple your money, buy some real estate, repeat if you can because Koyo is literally the most slurpable shit out there

>>54486278
I will give the absolute most soijak, basedboy, Reddit-tier answer imaginable - because from all the available data, this is what works.

Save a regular, fixed sum, ideally 25% but more is better, and invest in a low-cost index fund. As you near retirement (let's say starting 10 years before), gradually convert your holdings into something more secure like bonds.

If you're 25 you have 40 years. The SP500 has an average return of 10% per year. That's 4400%.

But don't listen to me, just keep putting your poorfag salary in the next shitcoin hoping for a 100000x and enjoy getting perpetually rugged.

>>54487049
Only the dumbest of /k/tards believe the US in its present form is around in 40 years. This isn’t the 50s after you won a war and made yourself leader of the world.

>>54487049
I don't want shitcoins, i want passive income
problem is that burgers stocks and bonds aren't so safe nowadays.
And God forbid I buy Serbian bonds

>>54486278
1 rental apartment, 40% in stablecoin yield split between GAINS gDAI, Uniswap V3, Pendle, Synapse (Split to reduce protocol risk/will yield approx 12-20% APR maybe more), the rest in SPY/Vanguard and/or ETH/LINK staked

>>54487100
>problem is that burgers stocks and bonds aren't so safe nowadays

This was my thought as well and I was hesitant to suggest US stock indexes but did anyway. The risk feels nearly as high as using various USD stablecoin yielding protocols kek

Its not a terrible idea to have some of it in something that will likely see solid capital appreciation I.E 10% as LINK or BTC

>>54487100
realestate then. you want passive. buy up as much realestate as you can.

>>54486370
You can buy 2 small apartments and live on the rent retard. Don't need to risk 100k on cryptoshit.

>>54487257
>You can buy 2 small apartments and live on the rent retard.

Tenants don't always pay on time or in general. Its not as risk free as people suggest. They also destroy the building if they feel slighted by the owner. Also societal strife or other factors out of his control can turn the area into a place people prefer not to rent or live in.

I'd say 1 rental is fine to start.

>>54487257
Don't think it's that worth it rn
they are insanely inflated in price in Serbia atm
not sure what he could even buy with 100k

>>54487269
>Tenants don't always pay on time
That's why you pay your taxes and evict them legally.
>or in general
Stop living in a ghetto. Don't do business with gypsies or men who can overpower you. Try to find a young college girl you can easily kick out.

If your cash flow stops you can always move back with your parents for a year.

>>54487269
>They also destroy the building if they feel slighted by the owner
Sue them for destruction of propriety.
This involves not being a nigger and paying your taxes.

>>54487257
what the >>54487269 anon said
also, real estate is riddled with illegal activity in Serbia - most of land lords don't report taxes for instance (which in turn would give me less profit as I have to compete with people that do not pay taxes).
Also, i need to buy furniture and shit

>>54487269
I think you're right, one apartment shouldn't be too much risk

>>54487307
If prices are inflated rents are also inflated.
If you rent out 2 apartments or 1 more expensive apartment the rent should be the same.

>>54487307
surprisingly enough, recently I've been seeing a few nice apartments near center pop up for cheapies (1000e per m2)

>>54487329
I'm from EE too. You're not competing with anyone, you're just making less money for the privilege of legally suing people if they destroy the place and legally evicting them with the police and all that.
Not paying your taxes is nigger behavior and opens you up to the tenant fucking with you or even reporting you to the authorities.

>>54487343
I plan on paying taxes, what I'm saying is that most of the landlords here don't, which gives me a disadvantage

>>54487354
It doesn't because you can charge the same rate as them but lose some in taxes. The disadvantage is mental because you're an envious little bitch
>whaaaa they make 10% more for exposing themselves to risks whaaaaaa
Whatever dude just buy crypto shit and lose your 100k fuck do I care.
If you had the balls you wouldn't pay taxes and just pay Borislav Boika to break their legs if they don't pay like the other landlords.
But you don't.

>>54487310
>That's why you pay your taxes and evict them legally.

Sure but that does still take time. The legal system is slow.

>>54487324
>Sue them for destruction of propriety.
>This involves not being a nigger and paying your taxes.

Again in theory this is fine and works but its probable it will result in some loss. If someone isn't paying their rent then suing them is likely to fail at recouping funds from them.

With OPs luck there could be another Covid Rent Moratorium granted Idk if that was a thing in Serbia like other countries.

>>54487370
thankfully there wasn't
also, yes, the legal system is extremely slow here, with the police not even wanting to bother to cooperate with "small cases"

>>54486278
>o8I4Zulx
koji si grad? uzmi jedan stan za izdavanje, uzmi zemlju i daj u zakup i za ostale pare ako ti ostane da stakujes 32eth. to ti je bukvalno sigurica.

>>54487370
>The legal system is slow.
So get a job for 6 months while the system works or go back and live with mommy. It's a soft retirement not a full one, OP wants to retire in his fucking 20's.
80% of the time you should not be working with this method.
>suing them is likely to fail at recouping funds from them
Maybe but you should fuck with them nonetheless. If they lose the trial, and they will if you aren't a brainlet and documented everything properly they will be forced to pay for your defense.
And if your lawyer isn't useless they will have money taken from their paychecks.
They will have to leave Serbia or work illegally for the rest of their lives.

>>54487401
sad prvi put cujem da mozes zemlju da das na zakup drzavi... koliko se dobija obicno?
takodje, dal si placao porez za kripto mozda? El umeju da zajebavaju ili je brz/lak proces?

>>54487406
why are you so angry?

>>54487391
So? Replace the lock while they are at work if they are past their eviction date.

>>54486278
If you live in Belgrade, you could have 1-2 airbnbs (pro tip, list them on booking too)
It’s not passive money, it’s still work to some extent, but you don’t have to deal with rentoids that don’t pay on time
If you live in a small city with no tourist flow, then idk
t. romanian

>>54487420
Cause you guys are pussies with 0 test. You can't even handle a tenant you are manchildren. I already know you failed as an adult and people walk all over you anywhere you go.
I also know you don't have a girlfriend either cause you couldn't deal with another person.
I'm out enjoy your passive income from rugpull shitcoin #7563

>>54487433
thanks for the tip, didn't think of airbnbs, didn't think they were actively used in EE

>>54487391

1 rental is still probably a decent idea but I'd look into acquiring some stable coin yield with even 20% of your holdings.

Pendle is offering nearly 30% in some regards. It can be withdrawn at anytime and they are considered relatively safe.

Combine that with my Synapse bridge protocol you can get around 14% and Uniswap V3 around 9-10% I believe.

With 20K I bet you could consistently yield $3K in a year. There is always protocol risk but its only 1/5th of your stack. Something to consider but you should definitely do your own research on these protocols. None of them have had internal issues thus far and all audited.

There is the possibility stables could decouple I suppose though but even in the case of USDC recently it seemed obvious to me that it was going to repeg

>>54487433
>you could have 1-2 airbnbs (pro tip, list them on booking too)
>It’s not passive money, it’s still work to some extent, but you don’t have to deal with rentoids that don’t pay on time

This is a decent idea as well. Lately AirBNBs have been getting a bad reputation for unreasonable requirements and fees by the owners. So be fair but get that bag at the same time.

>>54487457
First time I've heard of Pendle
Thought the safest DeFI bets would be curve/uni/aave

>>54487420
ja dajem zemlju u zakup ali ne drzavi, nego poljoprivrednicima koji obradjuju. sve zavisi od lokacije. ja izdajem trenutno lanac zemlje po 350e godisnje. ako imas 20 lanaca recimo to ti je u septembru 7k evra na gomili, a opet mozes da prodas uvek ili sam posejes nesto.ma kakav porez brate ne placas to.

>>54486278
there is no such thing as passive income
u gotta keep gambling

>>54487466
>curve/uni/aave

Agree they are probably the safest but between them you'd probably be lucky to net 3-5% and likely going to be on the lower side.

>>54487482

Uni might be better but Curve and AAVE will be that low last time I checked which was probably a month ago or so

>>54487471
hvala puno za info
sto se poreza tice, ni ljudi u poreskoj nisu od pomoci...

>>54487100
Then go for a global fund or a mix. Look into things like three-fund portfolio, the golden butterfly etc.

Stocks are a truly passive investment - click a few buttons every month. If your broker supports automation it's not even that, it's literally set-and-forget. You don't care about how they perform this year, you're targeting long term. If you're young, time is on your side. Accumulated interest is huge.

Rental isn't truly passive. There maintenance, for one. But I'm not going to diss rental. However you'll need capital to begin with. Now granted, I do know how many good online stock trading platform you have in Serbia, but you can buy stocks for 100 bucks every month. Good luck doing that with a property.

You could also try making extra money online by creating a website or selling a course. Once the content is created, selling it over and over is also mostly passive.

>>54487485
yeah, aave has been pretty low (as far as stables go)
curve can go upwards to 8% i think, but with a lot of staked curve.
UNI is the riskiest due to IL, but the most profitable option if you know how to adjust liquidity

>>54486278
Why not diversify?

Buy 1 smallish apartment
Put x amount in (dividend) stocks / etfs
Put y amount in bonds / money market funds
Put z amount in precious metals
Put ? amount in degenerate gambling stuff

Furthermore:
Ja bem ti meiko.

>>54486387
Professionals always underperform in the long term compared to Index funds. All active fonds and daytrading are either gambling or scams.

>>54487495
ma oni ni ne znaju sta je kripto. imas grupe na telegramu za p2p prodaju/kupovinu bez provizije ili ako si u bg-u imas menjacnicu odes i prodas ali mislim da on uzima 3% provizije

>>54487495

puci rep

>>54487533
ECD?
Cuo sam da postoje menjacnice u Hrvatskoj koje ti bez KYC-a zamene BTC za evre, nisam znao da ima i ovde
Za grupe znam, al ne mozes sa time stan da kupis, i slicno.

>>54487519
was planning on that, just doing research into what my options are
for instance, never considered the possibility of renting land yearly to farmers, or for using AirBnB

>>54487555
ne ecd. kod njih placas proviziju i porez. ne bih bas sad ovde da doxxujem. to sto si rekao za hrvatsku imas i ovde, raspitaj se malo. sto ne mozes, mislis da bi ti trazili poreklo novca?

>>54487595
>mislis da bi ti trazili poreklo novca
de ne bi lmao
za menjacnicu nisam znao, al svakako bih hteo sve legalno da odradim

>>54486590
Just buy an ETF in your cunt that tracks the US market.

>>54487443
How many rentals do you have anon kun?

>>54487100
>i want passive income
Start by realizing that there is no such thing.

>burger bonds aren't so safe nowadays.
Well then try EU bonds. German ones are around 2.8% percent nowadays.

Capital is subject to supply and demand just like everything else.
Employ it in high risk ventures and/or in places where there is lack of capital and you get higher returns.

>>54486278
Since you're basically broke, your best bet will be to put $100 each in about 5 different low cap alts and hope that at least one of them pulls a 100x

>>54487533
>>54487595
>>54487625
Stop spamming this board with your shitty language jeets

>>54486370
I agree with the other guy, real estate is the way to go. If you get a lot of tourists in your town, AirBnB can have some pretty high margins, especially in the peak season. It does require maintenance, I'd recommend a cleaning lady, otherwise it's not exactly passive, you're just a high-paid cleaner. If you're city isn't touristy, maybe buy an apartment in Belgrade and do the same thing.

>>54488470
Genuine question, do people still really use Airbnb?

>>54488556
Still cheaper than hotels mate, so people still use it.

>>54488393
So what happens when they all rug? He gets 500 bucks poorer kek

ride is the only token I have that much expectations for rn but not playing a financial advisor role for anyone

>>54488569
But you don't get room service and all hotel perks

>>54488579
There's no perks to a hotel, and room service exists outside of hotels, it's called Uber Eats or whatever.

>>54488571
In other words, you're not trying to shill your bag but anyone smart enough to read between the lines should look into it..
you're not that mysterious anon

>>54488594
I'm still choosing a hotel, too much stories of spy cameras in airbnb apartments freak me out

>>54488732
Always check out for reviews before booking

>>54488723
It's biz, everyone wants their favorite coin to pump and will take every opportunity to talk about it.

>>54488571
Checking it out regardless

>>54486278
For passive income I think staking would be your salvation bizfag. I do mine on Huobi with alts like FIL, SYLO and NEAR for over 20% APY

>>54488412
Sorry
The discussion was related to local laws, and ineptitude of Serbian IRS

>>54491385
That's another way to go to I guess
Thought of running my own efferium node, but not sure how profitable it would be