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/biz/ - Business & Finance

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10710288 No.10710288 [Reply] [Original]

I have about $100,000 in the bank, saved from living frugally all my life. No debt. No assets. Single. About to have a steady job in academia. What should I do with my money? I want something very risk-free that pays more than the shitty .5% I get from the bank.

>> No.10710440

>>10710288
pls respond

>> No.10710485

>>10710440
buy $1000 worth of QASH right now

be forever rich

>> No.10710491

learn to play options n00b

>> No.10710506
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10710506

All in Link

>> No.10710510
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10710510

>>10710288
Buy chainlink token it will be $1000 per token EOY and you can stake it to recieve free links forever aka passive dividents for life.

>> No.10710522

>>10710288
give it to a jewish financial advisor in LA

>> No.10710523

Put it in some Vanguard fund. It's boring and it's not going to moon, but it's a stable safe investment that'll give ~7% return annually.

>> No.10710578

>>10710288
index funds retard
this is reddit level shit

>> No.10710612
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10710612

>>10710510
could you elaborate?
>>10710578
where do I find a good index fund?

>> No.10710655
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10710655

>>10710523
I need my returns soon though, like within 5 years. I'm basically looking for something like a bank, but with 2-3% return instead of 0.5%

>> No.10710684

>>10710612
literally any snp 500 or whole market fund with a low expense ratio
seriously, fuck off to reddit
they have a forum or whatever those fags call their latest ookie cookie about financial independence

read it

>> No.10710713

>>10710684
Don't be angry with me senpai, I said I was a noob in the post title.
How safe are those funds, and how much return can I expect?

>> No.10710732

>>10710713
i hate myself for posting in this thread

http://www.investorsfriend.com/historical-total-nominal-and-real-returns-on-stocks-sp-500-index/

>> No.10710758
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>>10710732
thank you friend, I will read.

>> No.10710771

High performing mutual fund.

Say hello to 15% interest annually

>> No.10710851
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10710851

>>10710771
So how do I actually invest in one of those? Is there a website or do I need a financial advisor or what?

>> No.10711610

>>10710288
https://www.bogleheads.org/wiki/Getting_started

>> No.10711651

>>10710612
Please don't take the linktards seriously.
It's just a meme.

>> No.10711771

>>10710684

Stop pretending like you don't know what a subreddit is

Stop pretending like you're some enlightened superior man

You're posting on a failedanime image board, you're not special.

>> No.10711817

>>10710771
15% is way too high. You should expect 5% real return on average. The past performances of funds are not statistically significant indicators of their future performances.

>> No.10711825

>>10710851
sign up with fidelity, vanguard, or whatever brokerage you have access to. search their site for index funds and just throw money in there. use whatever has the cheapest expense ratio. recent average is like 10% return annually. simple as that

>> No.10711834

>>10710288
Bitcoin Cash is the real Bitcoin. Free money.

>> No.10711868

crypto
unironically

>> No.10711869

>>10711817
>The past performances of funds are not statistically significant indicators of their future performances.
In that case why bother investing in them at all? This bit of pseudo-wisdom is so tedious.

>> No.10711893

>>10711825
which option should I choose? I want returns every year, not when I retire. And I want to be able to take my money out at the end of each year

>> No.10711917
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10711917

>>10711893
>>10711825
forgot image

>> No.10711945
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10711945

gonna a need a sauce on this set of pics OP

>> No.10711955

>>10710288
First off, don’t be a fucking retard and invest it all in crypto.

Put 5k in traditional stocks and 95k into BTC

>> No.10711957

I pay 6% on debt to my company to raise capital. We pay interest twice a year. Email me pinvestments@protonmail.com

>> No.10711964
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10711964

>>10711869
you invest in the index which gets you the average by definition. individual mutual funds can play games with their numbers to make it look like they're beating the average, but don't 99% of the time.

>>10711893
if you really be speaking to an expert and not strangers on the internet. there are more factors to what you should do with your money than just how much of it you have. and it sounds like you're confused about what you want.

>> No.10712001

>>10710288
As long as you have decent credit I can help you and anyone else. It's basically a small loan where I pay you 6-10% interest twice a year. We accept btc too

>> No.10712010

>>10711893
Take 10% out of your savings and put it in something easily liquidatable. Stocks and crypto are probably the riskiest, but still easily liquidatable.

>> No.10712029

>>10711893
VTSMX <--- If you're using Vanguard then just buy into that

I'm looking into retiring early so I'm shoveling into 3x leverage ETFs myself, but I'm also retarded and could lose most of it, so whatever.

If you don't know what you're doing but want to fuck around then don't play with more than 10% of what you got

>> No.10712093
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10712093

>>10710288
vanguard... fidelity and with a portion of the money do a ETF portfolio for LONG TERM.

with a smaller portion of the money do another ETF portfolio for YEARLY gains.

if you dont know nothing about crypto dont invest in crypto by yourself.

with 100K you should be talking with your ACC MANAGER, not with biz/tards.

whatever they try to sell you remember this 3 letters..... ETF.

>> No.10712095

My offer is a bond that is convertible into equity in the company if you wish. It's also senior so if the business needs to liquidate investors have first right to assets.

>> No.10712120

>>10710506
based linktard
absolutely based

>> No.10712122

>>10710288
Are you ready to wire me 100k?

>> No.10712154

Dubs don't lie. My company is raising $100 million as we speak from accredited investors. Look up canopy weed in Canada. Buy in before we make a deal with local beverage companies.

>> No.10712167

>>10710655
Buy bonds then you retard. You've got no ambition! You're never gonna get anywhere in life!

>> No.10712203

>>10710288
Mate, the answer to your question is well beyond the scope of a post here. It depends on your investment goals, your risk tolerance, etc.

>> No.10712208
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10712208

>>10710288
Conventment

https://conventment.com

https://dlacenter.com/conventment/conventment_whitepaper.pdf

DYOR

>> No.10712214

>>10712154
Ok, nigger just know that the money i make will go towards funding klan activities in your area

>> No.10712216

>>10712154
Dude weed lmao

>> No.10712225
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10712225

>> No.10712232

>>10710288
Vanguard blue chip dividend ETF

>> No.10712272

WEED is up 30% today after corona announced they will invest $4b usd into canopy growth to create cannabis beverages. I don't give a fuck what your returns fund, who has my money?

>> No.10712278
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10712278

>>10712208

>> No.10712295

>>10712208
Cannabis logistics is actually a perfect investment imho. Thanks anon I’ll look more into this.

>> No.10712297

>>10711945
What program is this?

>> No.10712319

>>10710713
The funds themselves are subject to risks not limited to market risks. Read the fund’s pricing supplement and summary prospectus before investing.
When you say “safe” I think you are expecting a level of safety that doesn’t match the suggestions of people ITT. An index fund is not as safe as a bank account. You won’t make a guaranteed return every year. Recessions, crashes and gullies will strongly affect the performance of a standard S&P 500 index fund. The safest investment on the market has been and will continue to be US treasuries.

>> No.10712335

>>10712295
Mate it's easy just wire me the money. I send you a check twice a year. WEED is legal now. You can invest from any state

>> No.10712374
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10712374

>>10712208
This looks quite delicious

>> No.10712375 [DELETED] 

Invest in my startup.

Here's the link:
https://trello.com/b/nRPdLcQ2/backup-investors

Email me here if interested: gloetechdev@gmail.com

>> No.10712410
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>>10712093
what's the difference between ETF and mutual fund?
I want something where I give some old jew my money, he makes 15% gains a year, gives me 3%, and I don't have to micromanage or worry about anything. Does such a thing exist?

>> No.10712419

>>10712410

https://www.investopedia.com/ask/answers/09/mutual-fund-etf.asp

>> No.10712434

>>10712410
Mate you want old jews to handle your money? My advisers are literally fixing elections in israel right now.

>> No.10712451

Silver/Platinum really oversold right now. Plus shiny.
Stocks in a hyper-bubble right now in P/E terms.

Do your research before buying anything, don't listen to 30y/o boomers on the internet like me for any advice period, especially financial.

>> No.10712487

>>10710288
short dow jones tomorrow

>> No.10712515

>>10710655
Why do you need your returns?

>> No.10712538

>>10712515
I want to make a downpayment on a house in 3-5 years.

>> No.10712544

>>10712538
Send me an email and I'll take care of OP

>> No.10712549

>>10712538
Look at the portfolio i posted fag, you are literally me and you don't even know it lol

>> No.10712559

If you don’t want to do any work and can let it sit for years, dump it all into SPY or VOO.

>> No.10712583

Live in a house you can't afford (rent) buy a place you can afford to rent out.

>> No.10712627

>>10712538
Are you going to acknowledge me op or am I going to have to take my gains somewhere else?

>> No.10712628
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10712628

>>10712538
just get a 3 year treasury or certificate of deposit then

>> No.10712644

>>10712628
Depreciation is 3% a year. Kek

>> No.10712791

>>10710288
Phillip Morris recently took a little shit, so you can by the dip, pays a yearly 5.5 dividend.

>> No.10712805

>>10712319
fuck off to bed grandpa

>> No.10712824
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>>10712208
We all need to get in on the TGE and pump the everloving FUCK out of this when it hits exchanges in October.

>> No.10713011

>>10710288
Buy some treasury bonds.

>> No.10713055

>>10712549
How did you invest? Alone, or using a fund? Which website? Do you micromanage your stocks or just let it sit and collect dividends?

>> No.10713500

>>10713055
I feel like your penis is too small to be posting here. We're all 8 inches or larger.

>> No.10713536

>>10710288
>shoes on
Just market sold 1 billion Holo

>> No.10713829

>>10712225
That is impressive.

>> No.10714994
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10714994

>>10713500
checked. Have you told him about that other thread where the guy shares his investing “secret?” I think that could be of some use to this anon

>> No.10715023

>>10710288
ETF's my man.

Vanguard is a good starting point to look into.

>> No.10715034

>>10710288
Google dividend aristocrats

>> No.10715044

>>10715034
Plus stop loses are your friend

>> No.10715225

>>10710288
If you absolutely can't lose principal you can get an index-based annuity that offers some of the upside of market gains with an insurance component that guaranties a return of maybe one percent. The downside is that there's a penalty for early withdrawal. These contracts typically last 7 - 10 years with the penalty going down to zero as the years go by.
A better bet would be to put your money in a broad-market stock fund and a bond fund. The stock component should be about 100 minus your age. i.e. if you're thirty you would have 70/30 stocks/bonds. Don't look at you returns and don't touch them. Reap reward in thirty years.
www.bogleheads.org

>> No.10715796

Endless options. Put 90K in a income portfolio comprising of Treasury/Bond/Preferred Stock/High Div/Div Growth/individual stocks with wide moat and good yield. Structure it via ETFs.

Invest the monthly returns into crypto (top level BTC/ETH/XLM etc) in a DCA way for few months (especially when Market BUY % is ATL indicating a true dip). Afterwards, reininvest yields.

As you get gains in crypto, derisk it buy selling at strategic points by buying/rebalancing your stock portfolio.

For 10K buy GLD.

Good luck !

>> No.10715811
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10715811

The entire stock market is at ATH and these morons are telling you to put your money in the stock market.

Put it in gold before the market crashes, and then buy the stock market dip after it's crashed.

>> No.10715850

What' the difference beterrn a vanguard mutual fund and a vanguard etf pls I am very dumb

>> No.10715943

>>10715811
True. Forgot to mention that hold your investment in a TIPS bond till the crash and then invest into the mentioned income portfolio.

>> No.10716679
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10716679

post-crash income folio