/biz/ - Business & Finance

The S&P 500 averages a 7% growth rate over long periods which beats other investments like treasuries and corporate bonds. I don't know why everyone doesn't just keep their money in the S&P 500.

>>57561384
the s&p 500 was never a good investement it's for pussies who are scared of making money i am a real investor and i only invest in memecoins because i have a huge cock

>>57561384
Probably because most retards live paycheck to paycheck and rent; those that have an extra $300 at the end of the month can't forsee it going to anything useful like a house, so they gamble it.

>>57561328
check the s&p500/BTC chart faggot nigger retard.

check the s&p500/USM2 chart nigger faggot faggot baggie baggot

>>57561384
And that's the inflation-adjusted return. The average annual gross return is more like 10% (over the past 30 years).

>>57561428
What's even better is the S&P 500 is considered too big to fail since so many Americans have their retirement invested in it. If it goes down too much the fed starts cutting interest rates and the congress starts spending money to make the index go back up again. For that reason I think the S&P 500 is just as safe as money markets and bonds over long periods and yields a lot more.

>>57561400
>>57561410
>>57561428
>it's for pussies who are scared of making money
Most people invest like that with their retirement though
Kg2yyx

>>57561384
I do. At least 48% of my money. Easy peasy ETF with low running costs.

I have a fond for each of the kids where I deposit 150$ a month for them.
Should be a decent sum for a down payment when they turn 25.

I might be able to retire at 45 or switch to working 2,5 days of the week a lot earlier.

Might sound boring but I am always puzzled why nobody else does this

>>57562076
>>57561449
>>57561328
You're going to have a nice wake up call this year.
It'll be your first warning sign that safe long term investments aren't a thing when you're no longer number one on the global Scales.

None knows how low it's going but enjoy your shitcoin rug style dump at the end of this bull run.

>>57562201
25% in SP500
25% in OMX25 (my country)
25% in Emerging markets
25% in treasuries

Im fucking hedged you little nigger. Every month I buy 1,5k worth spread across these. Im gonna be filthy loaded in 30 years.

>>57562201
Whatever you're smoking I'd quit it.
Us hegemony is protected by a fuck load of water, the biggest military forces, the Mississippi Delta and the fertile planes of the Midwest.
They have enough fertility and immigration to keep their motor running.
Whatever political shenanigans they're doing, they can't fuck up enough within my lifetime.

t. Kraut

>>57562270
>25% in Emerging markets

>>57562270
I decided against buying stocks from my country. My reasoning is that I'm already exposed to enough risk in this country via my job, home and rental property.
My allocation per month is 1k home mortgage, and 2100 towards the ETF.
Combined household income is 4600€ ATM. The rental flat is paid off.
Also I decided against buying Chinese stock, as their risk/return ratio is ungodly

>>57562270
>25% in treasuries
>30 years
WHY

>>57561384
My crypto portfolio is up 7% in the last 24 hours.

>>57562325
This is only for a short term hold

>>57562355
In a bull market?

>>57562364
Yeah thats ending soon.

I'm so close to making the decision to invest 100% of my paychecks into the S&P500 and paying my monthly expenses and bills using margin loans. I already live a frugal lifestyle, stick to a budget, etc. Someone talk me out of it

>>57562451
I think you should stay on the sideline for now

>>57561384
Mainly because 7% of not very much, is not very much.
The vast majority of people don't have enough money to have enough skin in the game for 7% to make anything more than pocket change difference at the end of the year.

>>57562270
>he thinks he has 30 years
Kek
>>57562301
You really can't tell the foundations are cracking up uh? You really need to see the Ponzi crumble to understand it.


To both of you, the problem is global and being hedged into treasuries assures you're rugged the hardest, getting into equities before any semblance of power structure is reformed, assures you're rugged.
The problem is systemic and global.
Hedge with gold, silver, bitcoin and farmstead.
Don't believe me? Listen to someone with more experience and knowledge.
https://youtu.be/dk3AVceraTI?si=iQAJvq2wFedtBKlo

The entire system is illiquid, broke, over leveraged, and it's bound to further centralise until it breaks apart or it's reformed.
If any country in the world took over the seat of power, the problem wouldn't go away, it's an existential threat brought forth by the power of fractional reserve banking and usury as its cardinal sin.
Until these two don't go away, humanity will be threatened as a whole.
Billions will die.

>>57562509
Nevermind you're fucking retarded.
This is the steepest part of the bull run before evening goes to shit, and you mongoloid stay sidelined

>>57562547
If you put 5200 dollars in a tax advantaged account that is $1000 per year. After 5 years that is $26,000. After accounting for a 7% increase that will naturally grow to approximately $32,000.

This doesn't account for dividend reinvestment.

The advantage of a 401k is that your employer is matching your contributions which is free money essentially.

>>57562902
>that is $1000 per year
$100 per weak lol to early for this shit.

This is the basic entry fee to be fucking around with speculative plays, options and crypto if you can't accomplish this then just go scratch off lottery tickets.

>>57561384
I put 100% of my 401k into VITSX which is close.

everyone thinks they're making money but it's just the same money adjusted to inflation it's insane.

any reason not to dump the 493 shitters pulling the average down and just go all in on the gay tech stocks?

>>57563906
Unless you know a lot about accounting and coding it looks impossible to predict which tech company will win in the long run.

Not me. I fell for the whole "SPY is going back to the 200s" bobo fud. FUCK.

I just do the opposite of what biztards say.
>BVLL RUN 2024 BUY BUY BUY!!!
I sell.
>IT'S OVER, SUI SOON, SELL!!
I buy.

>>57561384
I'm 100% in VTI and VTSAX. I have too much to lose to risk putting in crypto. Most of the time you cannot beat the market, though some do. Not a risk I'm willing to take.

>>57562344
And it's also down 25% the next. Assuming 7% annual I can stop wagecucking at 35 because I have enough principal, it's a low risk long game rather than a high risk short game.
>>57561449
This, it's also propped up by everything, there's basically no reason to not invest in it. The S&P has NEVER had a 15 year period without growth.

>>57563731
Not true but beating inflation is a big first step, that alone matters a lot.

>>57562344
>>57564543
Smart thing to do is invest in crypto during the bear, cash out during the bull, then put those gains into SPY/VOO. Very simple and easy path to early retirement.