I have some money I'd like to invest in Vanguard ETFs, which are your favourites and how should I differentiate my portfolio?

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Anonymous Fri, Apr 12, 2019 13:34:50 No.13310402 [Reply] [Original]

I have some money I'd like to invest in Vanguard ETFs, which are your favourites and how should I differentiate my portfolio?

>>	Anonymous Fri, Apr 12, 2019 13:36:15 No.13310411 >>13310402 bitcoin

>>	Anonymous Fri, Apr 12, 2019 13:37:52 No.13310422 >>13310411 Nope

>>	Anonymous Fri, Apr 12, 2019 13:40:23 No.13310436 bump getting about 600K his year and need to know how to invest it properly so I can be a multi-millionaire in a decade

>>	Anonymous Fri, Apr 12, 2019 13:45:50 No.13310480 >>13310436 We have to be lucky but there is someone able to give good advice here. There was a post about this subject some time ago and some of the comments were really detailed and insightful, sadly I didn't save the link

Anonymous Fri, Apr 12, 2019 13:57:33 No.13310568
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>>13310402

> VT - Invest in the whole world

No need to worry about re-balancing, etc. Just stick through with it for your whole life.

In my IRA which allows it, I am more aggressive and I have QQQ and GBTC too.

>>	Anonymous Fri, Apr 12, 2019 14:01:00 No.13310591 >>13310568 yeah, VTI, VOO, whatever, just pick a handful of them it basically doesn't matter.

>>	Anonymous Fri, Apr 12, 2019 14:08:43 No.13310652 >>13310402 bitcoin and chainlink

>>	Anonymous Fri, Apr 12, 2019 14:11:37 No.13310678 >>13310402 GBTC

Anonymous Fri, Apr 12, 2019 14:13:14 No.13310693

Finally something that isnt gambling on shitcoins

Personally my current investment strategy is as follows:
10% into savings account (until I hit a certain amount)

10% into vanguard

I'm currently putting 2% into S&P 500, 6% into lifestrategy 100, and 2% into FTSE global all cap index fund.

Eventually Im going to start allocating the 10% of my income into savings to gambling on single stocks that I like.

>>	Anonymous Fri, Apr 12, 2019 14:14:14 No.13310708 >>13310693 A better move would be to just bang everything into FTSE global all cap index fund IMO. Im british so i like the lifestrategy 100, it's slightly skewed to british companies but covers a wide range of funds across the world

Anonymous Fri, Apr 12, 2019 14:16:38 No.13310731

>>13310708

And finally, here is a sub which is VERY FUCKING GOOD for getting your finances into check. It's a UK personal finance subreddit. If you're British for the love of god start lurking this a lot to get stellar knowledge of saving, and investing wisely for a comfy retirement.

https://www.reddit.com/r/UKPersonalFinance/

Anonymous Fri, Apr 12, 2019 14:16:59 No.13310732

>>13310652
I'm putting 50K into Link. Might pick up some ETH as well to hedge against Link shitting the bed. I hope Link plummets this year, really trying to accumulate close to 100K

Other than that I want nothing to do with crypto. Averaging 10 percent a year in an index fund for 10 years would be fine.

>>	Anonymous Fri, Apr 12, 2019 14:17:41 No.13310741 File: 139 KB, 1172x1324, flowchart.png [View same] [iqdb] [saucenao] [google] >>13310731 Heres a flowchart resource from UK personal finance, basically how to spend your income until youre loaded.

>>	Anonymous Fri, Apr 12, 2019 16:39:54 No.13311780 >>13310436 600k? just put it 80% into the S&P and 20% into bonds. Should be worth ~1.2mil in a decade.

>>	Anonymous Fri, Apr 12, 2019 16:42:17 No.13311798 >>13310741 Thanks anon

>>	Anonymous Fri, Apr 12, 2019 16:43:12 No.13311804 >>13311780 That's not enough fren.

>>	Anonymous Fri, Apr 12, 2019 17:07:03 No.13311976 >>13311804 at 7% a year you double your investment in 10 years. your telling me 80% stocks 20% bonds wouldnt do 7% a year average?

>>	Anonymous Fri, Apr 12, 2019 17:09:53 No.13312000 >>13311976 It would. I want multiple millions though, not just 1.2M. Hence 50K into crypto

>>	Anonymous Fri, Apr 12, 2019 18:14:52 No.13312451 >>13310731 GO BACK. The only really advice here is 90% in a total stock market index fund like VTI and 10% in BND. That's the only answer. I can prove that to you mathematically too. That portfolio has the highest risk adjusted return of any model.

>>	Anonymous Fri, Apr 12, 2019 19:17:49 No.13312912 VTSAX - 70-80% VTIAX - 20-30% Add VBTLX once you become boomer age That's literally unironically all you need

>>	Anonymous Fri, Apr 12, 2019 19:52:59 No.13313173 You guys do realize Schwab ETFs are have lower OERs right? Vanguard isnt the cheapest anymore... SCHX SCHK SCHA SCHD

>>	Anonymous Fri, Apr 12, 2019 19:57:18 No.13313205 >>13312912 VTSAX already has plenty of international exposure though

>>	Anonymous Fri, Apr 12, 2019 20:00:04 No.13313218 >>13310436 50% into BTC and 50% in LTC

>>	Anonymous Fri, Apr 12, 2019 20:04:04 No.13313242 >>13312451 >>13312451 >>13312451 >>13312451 >>13312451 this

>>	Anonymous Fri, Apr 12, 2019 20:06:15 No.13313249 >>13312451 >That portfolio has the highest risk adjusted return of any model. source?

Anonymous Fri, Apr 12, 2019 20:11:36 No.13313284

>>13310402

It's actually investing in stocks/crypto on ez-mode.

Basically there's only one call you have to make, will stocks collapse soon?

If you think so, go 80% bonds, 20% S&P500.

If you think not, inverse the ratio.

If your wrong youl'l lose a few %, if your right you'l gain a few %.. Either way you can't really lose, over 10,20,30 years, investing 50-70% of your income, you will make millions with very low chance of not making millions.

>>	Anonymous Fri, Apr 12, 2019 20:12:50 No.13313294 >no one mentioned my etf stay mediocre biz

>>	Anonymous Fri, Apr 12, 2019 20:13:09 No.13313297 >>13313284 >Basically there's only one call you have to make, will stocks collapse soon? No one can time the market. It's best to just DCA

>>	Anonymous Fri, Apr 12, 2019 20:13:14 No.13313298 >>13313173 fucking this nobody gives schwab any credit SPWXX holder and accumulator here

Anonymous Fri, Apr 12, 2019 20:20:55 No.13313342

>>13313284
I predict an 'inverse-crash' will occur in the stock markets of the world soon. We all know the trend, 4Chan finds memes first, then reddit, then the wider normies. It happened with pepe, it happened with bitcoin, and it will happen with ETF and long term value investing in the stockmarket.

The internet is just starting to catch on to most normies, most of them just spend their money, but we all know that saving and investing to make us millionaires one day is really really addictive.

One day this will go mainstream, and unlike bitcoin the risk of it will be very very low.

Imagine a world where most 20 somethings dump 60-70% of their paycheck into the stockmarket/ETFs to get wealthy? Imagine how inflated the market will actually get, and now imagine that these people will just leave their money there in the hope that it will grow by the time their 30-40 so they can take it out and 'live off it'.

The 'FIRE' movement is growing.

Invest into ETFs and blue chip stock now, because I predict in the next 20-30 years we will see an inverse-crash. A stock market bubble that is fueled not by and single 'one' big get rich quick idea.. but a slow long wave of people realising 'wtf, if i invest my morning coffee money every day, I could've had 100k in the bank by now'.

Expect, a lot of retail commerce businesses to collapse though.
Invest in the finance sector, invest in entertainment, and invest in luxury goods.

>>	Anonymous Fri, Apr 12, 2019 20:21:19 No.13313343 >>13313297 We've been on a 10 year bullrun though, prime time for a major correction/recession don't you think?

>>	Anonymous Fri, Apr 12, 2019 20:27:31 No.13313389 >>13313342 Good post anon

>>	Anonymous Fri, Apr 12, 2019 20:28:57 No.13313397 >>13313343 the only reason why people think the bull run will end is because "it's time" but they don't see the reasons that justify market growth. the next thing that will slow market growth is rising interest rates.

Anonymous Fri, Apr 12, 2019 20:30:20 No.13313409

Guys is swppx a roth ira? or a mutual fund? im a stupidass so i just listen to smart people and i started putting $500 a month into it like a month after I turned 17 in hopes of the "youll have 2.3 million by the time youre 50" meme being true. Is swppx tax free? Im starting to wonder if i shouldve gone for vtsax instead

>>	Anonymous Fri, Apr 12, 2019 20:34:19 No.13313437 >>13313397 yield curve inverted 10y - 2y - we have max 1 year left before major recession

>>	Anonymous Fri, Apr 12, 2019 20:35:35 No.13313441 I am unironically an investment advisor. If I find the time I can answer some questions.

>>	Anonymous Fri, Apr 12, 2019 20:36:49 No.13313451 >>13310693 gtfo boomer

Anonymous Fri, Apr 12, 2019 20:54:43 No.13313564

>>13313441
I am getting about $600K before taxes this year from a tort fee. $50K will go into crypto. I am $180K in debt to the grad school meme.
What the fuck should I do here? I really hate the thought of immediately giving half of that $600K right back to the government. But I also want to set myself up long term so that I don't have to worry about money in 20 years. I'm 34 years old, have a gf but no kids. I'm an attorney so I can afford to be pretty risky as I can make decent money. But these sorts of huge fees only come around once every 5 years or so. What would you do in my situation?

>>	Anonymous Fri, Apr 12, 2019 21:29:11 No.13313753 >>13313437 The 10-2 did not invert. Spreading lies is all biz does anymore.

>>	Anonymous Fri, Apr 12, 2019 21:30:39 No.13313757 >>13313441 LOL an investment advisor who doesn't know about yield curve inversions. Typical. T. Corporate finance

>>	Anonymous Fri, Apr 12, 2019 21:32:45 No.13313763 >>13313564 I would kill myself as lawyers are the scum of the Earth. Seriously, killl yourself, Jew.

Anonymous Fri, Apr 12, 2019 21:36:39 No.13313776

>>13313564
pay off that debt fool
also are you not worried about not paying taxes on that? youd prob be left with what, 400k?
then pay off ur debt and youre left w ~200k
fucking hell thats depressing. at least youre in a better spot than most of this board

>>13313441
proof

>>	Anonymous Fri, Apr 12, 2019 21:42:35 No.13313804 Total US ETF is there only thing you should be buying on vanguard. International is a joke and your retarded if you're buying bonds in 2019

>>	Anonymous Fri, Apr 12, 2019 21:44:49 No.13313817 >>13313205 https://movement.capital/summarizing-the-case-for-international-stocks/ Over any individual decade I feel VTSAX has a better chance of outperforming. Over a 30-40 year period, I feel it's best to have both.

>>	Anonymous Fri, Apr 12, 2019 21:51:14 No.13313857 >>13313804 Total US Index Fund*

Anonymous Fri, Apr 12, 2019 21:51:56 No.13313861
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my non-retirement port:

SCZ
YYY
LVL
SPYD
SPMD
SPHD
PSEC
AMLP

as for my roth 401k it's just a mix of small/mid/high caps, some S&P 500, with a little REIT and international to balance it out. I get a shitty match but it's a match nonetheless, but remember the matched portion is non-roth and will be taxed down the line or upon conversion.

529 plan is just in a a generic growth fund that beats the s&p.

>>	Anonymous Fri, Apr 12, 2019 21:52:12 No.13313863 >>13313763 t. retard I sue insurance companies who kike morons like you over 24/7 >>13313776 that's what I'm saying I have to just hand all of this life changing money away. Sometimes I think about bailing to another country

Anonymous Fri, Apr 12, 2019 21:55:11 No.13313879

>>13313804

over a long long time, having international can balance out some bad US only stock years. that's the whole idea behind it from a 20+ year span point of view. certainly int'l funds are worse performing than any s&p.

agreed with the bonds though, they're junk. one fund i had, invesco equity and income i believe, had some bonds in it so I got out of it. didn't have an awful return but it was still my lowest performer out of the bunch. I've erred on the side of a little too much diversity but it hasn't really hurt me, just cut my gains a percent or so.

>>	Anonymous Fri, Apr 12, 2019 21:57:16 No.13313889 >>13313879 Isn't the main purpose of bonds not for gains but act as a hedge in the case of a stock market crash? If bonds are garbage, should an investor just go all in VTSAX?

>>	Anonymous Fri, Apr 12, 2019 21:58:48 No.13313895 >>13313863 fucking brutal man. where would you go?

>>	Anonymous Fri, Apr 12, 2019 22:06:37 No.13313936 >>13313895 Not sure. I don't want to get kicked out of the US so I will pay the taxes. Loans are a different story. They won't chase you internationally for those. New Zealand seems pretty nice

Anonymous Fri, Apr 12, 2019 22:10:05 No.13313955

>>13313342
Vanguard keeps track of over a trillion dollars but a Hmong mong fetish appreciation board is going to be what gets the word out to the normies. Sure thing, Beavis.
I'm sure your faggotry gets you all kind of upcummies on plebbit, but you're going to have to lurk more.

Anonymous Fri, Apr 12, 2019 22:20:18 No.13314011

>>13313889

the only "hedge" against a stock market crash is to NOT SELL and HOLD YOUR BAGS until your stock valuations return to normal and then some.

it's happend every crash, every time. hold and wait, don't buy high and sell low. that's what normalfags do, and you don't want to be normal.

>>	Anonymous Fri, Apr 12, 2019 22:22:42 No.13314020 >>13314011 So you recommend 100% equities?

Anonymous Fri, Apr 12, 2019 22:29:08 No.13314052

>>13314020
Unless you need to access your investments within 10 years or sooner, you should be 100% in equities. Depending on whether it's 1-9 years will determine the % in bonds you should have.

Basically your tolerance/duration to be able to "wait it out" if a recession hits determines your need for bonds.

>>	Anonymous Fri, Apr 12, 2019 22:36:32 No.13314096 >>13314052 Hmm...let's say a person is retired with a 7 figure portfolio and is living off the 2% dividends VTSAX provides, would it be wise to stick with 100% VTSAX or would it be prudent to add some VBTLX as well?

>>	Anonymous Fri, Apr 12, 2019 22:37:11 No.13314098 >>13314052 anybody browsing 4chan is going to be young enough to 'wait it out'. you guys can buy all the bonds you want, i'll be staying 100% equities for the next 30-40 years.

>>	Anonymous Fri, Apr 12, 2019 22:40:36 No.13314117 >>13313342 Based post anon

>>	Anonymous Fri, Apr 12, 2019 22:45:33 No.13314152 >>13313342 Would be nice. Too bad retail investors only account for like 5% of the market so I wouldn't expect that to have a huge effect.

Anonymous Fri, Apr 12, 2019 22:47:54 No.13314172

>>13314096
Depends on your burn rate and age

If you are burning all of your 2% then a recession will hit your principal if maintain the same lifestyle. Taking a principal hit is ndb if you are early in retirement but in the later years it could mean a death in worse conditions than you hoped

Anonymous Fri, Apr 12, 2019 22:51:47 No.13314197

>>13314096
Depends on how old they are and how long they need to make their portfolio last. Would need the exact numbers and do some calculations. But if they weren't earning ANY income and 100% of their income was in investments, I would not recommend being 100% in equities.

>>13314098
I literally said be 100% in equities if you're young, retard.

>>	Anonymous Fri, Apr 12, 2019 22:52:35 No.13314207 I wish I knew what half of y’all were talking about ? Where can I start learning ?

>>	Anonymous Fri, Apr 12, 2019 22:56:54 No.13314227 >>13314207 https://www.bogleheads.org/wiki/Main_Page

>>	Anonymous Fri, Apr 12, 2019 23:10:41 No.13314303 >>13314197 no, you said some bullshit about how if you're investing for less than ten years you should have some percentage in bonds, which is bullshit.

>>	Anonymous Fri, Apr 12, 2019 23:15:34 No.13314333 File: 80 KB, 1280x720, vtsax.jpg [View same] [iqdb] [saucenao] [google] >>13310402 VTSAX

Anonymous Fri, Apr 12, 2019 23:35:16 No.13314475

>>13314303
You should only be investing for less than ten years if you're less than ten years from living off your investments instead of your income. Which for most is 30+ and for many is 50+.

Do you think a 35-40 year old who is FIRE'd and is living completely off his multi-million dollar portfolio and has 0 income should be 100% in equities?

>>	Anonymous Fri, Apr 12, 2019 23:42:21 No.13314538 >>13314475 What percentage of bonds would you suggest if I have 5M and want to live off the returns

Anonymous Sat, Apr 13, 2019 00:34:09 No.13314881

>>13314011
Or you buy more cheap stocks during the dip by cashing out your hedge bond funds, ending up with more assets than 100% stock portfolio, as was shown by research, which is why a mix of funds is universally recommended except for on /biz/ where the blind are led by the blind.
lol at all the people in this thread seriously taking advice from biz.

>>	Anonymous Sat, Apr 13, 2019 00:58:53 No.13315042 Shocked there;s no Fidelity fags in here with FZROX, 0 fee total market fund VTSAX is great of course, the gold standard

>>	Anonymous Sat, Apr 13, 2019 01:29:32 No.13315202 File: 175 KB, 849x565, junk_silver_90__1.jpg [View same] [iqdb] [saucenao] [google] Buy silver dick head.

>>	Anonymous Sat, Apr 13, 2019 01:39:43 No.13315259 >>13313753 No, but the 10 yr and the 2 month did, does that count as inverted? What usually happens then?

>>	Anonymous Sat, Apr 13, 2019 04:04:24 No.13315863 >>13315042 FSKAX nation here, anon. I would wait to see that FZROX can keep up with its proposed benchmark and other total stock market funds (e.g. VTSAX, FSKAX) before going all in on it. It's not even a year old yet.

>>	Anonymous Sat, Apr 13, 2019 04:16:20 No.13315900 >>13315042 Fidelity is a scam. Capital gains distributions and tracking error up the ass.

Anonymous Sat, Apr 13, 2019 04:54:33 No.13316025

>>13313342
The "Becky" portfolio is one of my favorites.

It is a collection of "typical white girl" consumer stocks like Starbucks, Apple, Facebook, Lulu lemon, Louis Vuitton etc. Mostly luxury goods and some tech. Basically, just look at some white chick walking around and invest in the brands that she is wearing/using.

>>	Anonymous Sat, Apr 13, 2019 08:23:27 No.13316790 File: 39 KB, 913x660, 72_15_eps.png [View same] [iqdb] [saucenao] [google] >>13314881 lmao this a 10% bond position isn't going to kill you and will reduce volatility dramatically

>>	Anonymous Sat, Apr 13, 2019 08:37:09 No.13316850 >>13313342 You are assuming people are rational. That's where you're wrong kiddo. Humans will always waste their money on stupid shit.

Anonymous Sat, Apr 13, 2019 09:51:23 No.13317207

>>13313342
young people are too impulsive and lack the vision to see this being beneficial. ask any young person what would they rather? live humbly and me able to retire early or go out with their friends to buy a 12 dollar meal and the latest 60 dollar entertainment nonsense? New capeshit movie, videogames, designer bullshit "on sale" for 200$ once a month. Young people do not have the resolve to not fall for these traps. Your prediction is dumb but feel free to speculate.

There's a reason why they don't teach finances and financial responsibility in all elementary education.

>>	Anonymous Sat, Apr 13, 2019 10:03:20 No.13317251 Can I get yalls honest opinions on when you think the next big market draw back will be? I feel as if things are drawing down significantly. I am really considering getting all my money on a Inverse ETF like SH

>>	Anonymous Sat, Apr 13, 2019 10:05:18 No.13317255 >>13317251 I was also wondering that, not because I want to invest in alternative products but because I want apply some of the suggestions I found in this thread with a good timing and at better prices

>>	Anonymous Sat, Apr 13, 2019 10:52:00 No.13317498 >>13317251 >I feel as if things are drawing down significantly. S&P is within 1% of ATH. Explain yourself.

>>	Anonymous Sat, Apr 13, 2019 10:59:49 No.13317553 >>13317251 US stocks just fell 17.5% a few months back International fell 24.3%. Clearly this was a drawback, inb4 moving goalposts from market timers who lose perpetually

Anonymous Sat, Apr 13, 2019 11:04:36 No.13317580

>>13317498
That is exactly why fren. When people think things are going great you should be alert. We are very high on the Fear and Greed Index.

>>13317553
Yeah that is a correction not a recession. Its been 10 years since a recession and no bull market has ever lasted this long in the US.

>>	Anonymous Sat, Apr 13, 2019 11:06:21 No.13317591 >>13317580 NEETs on this board have been predicting a bear market since the boards was created want to guess what their net worth is right now? because they sure as shit didnt make it on shitcoins

>>	Anonymous Sat, Apr 13, 2019 11:07:18 No.13317598 >>13317591 wtf are you talking about? This is /smg/ a place for adult. Take that crypto trash elsewhere.

Anonymous Sat, Apr 13, 2019 11:12:26 No.13317635

>>13317580
Market is a cluster fuck right now.

Any time there is any sort of drop people start screaming bloody murder. Then once the rebound hits and we move even higher they start scratching their heads and say "well there's still a recession coming because...well, I don't know why, but there hasn't been one in a while, so it has to be coming soon! 2016 it will be there, oh wait maybe 2017, oh 2018 for sure!, no? 2019 definitely, yeah by end of 2020, that sounds good..."

>>	Anonymous Sat, Apr 13, 2019 11:13:34 No.13317641 >>13313298 schwanon here, schwab ETFs less bloated than vanguard

Anonymous Sat, Apr 13, 2019 11:16:17 No.13317651
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>>13317635
Yeah I get that but when it is close to ATH and we havent had one in 10 years and an election is looming I feel the time is right. Also the inverted yield curve it all seems to be falling in place.

Of course, I can't ever know when it will be but it just seems like there is no other possible option at this point.

I am very heavy in Alibaba and an healthcare etf. I am thinking once the Trade Deal comes through I get out on the post-deal bump but I dont know.

>>	Anonymous Sat, Apr 13, 2019 11:18:28 No.13317662 >>13317598 I'm talking about YOU YOU are attempting to time the market YOU will not succeed, I can state that with a high degree of confidence

Anonymous Sat, Apr 13, 2019 11:25:39 No.13317694

>>13317662
I understand that I am not going to time it perfectly. I can sit on the sidelines in cash until the right time comes to buy back in though... That is not hard to do. Even if the market hobbles on for 3 years I know it will crash lower than it is today.

>>	Anonymous Sat, Apr 13, 2019 11:27:34 No.13317708 >>13317694 good luck. Seriously

>>	Anonymous Sat, Apr 13, 2019 11:31:07 No.13317732 >>13312000 hence why you're poor

Anonymous Sat, Apr 13, 2019 11:31:41 No.13317734

>>13317694
>He's not investing as much as humanly possible while he's young
>He's not aware of how fucking crucial compounding interest is
>He doesn't realize that money invested in your 20s is much more important for accumulating wealth than at any other time in his life

Don't let the fear of a """looming recession""" keep you on the sidelines during the absolute most important time in your investing career.

Anonymous Sat, Apr 13, 2019 11:33:22 No.13317744

>>13317694
>I can sit on the sidelines in cash until the right time comes to buy back in though
and in that time you will experience a negative real annualized return

>I know it will crash lower than it is today
no you do not, and you will have had years of reinvested dividends when it does, which is why you look at charts that show growth of $10,000 instead of just looking at the price
you think you have the keys to the kingdom like so, so many before you but you don't
here's a good one people have been making fun of recently:
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=173073&sid=9efb9e695f9fa420b901e24e97aa31c7

>>	Anonymous Sat, Apr 13, 2019 11:34:24 No.13317750 Check out Global X ETFs, specifically their thematic suite. Its the future.

>>	Anonymous Sat, Apr 13, 2019 11:34:28 No.13317751 >>13317734 I have half my wealth in the market now. I am still setting aside cash in my bank account to go all in once there is a correction.

Anonymous Sat, Apr 13, 2019 11:38:57 No.13317785

>>13317751
And that's fine. I have about 30% in cash as well, as a buffer for emergencies and major buying opportunities.

But just know that is has been mathematically studied and proven that going all in whenever you can provides the best return in the long run. As long you know that you're *probably* doing it wrong and are okay with that, then by all means go for it.

>>	Anonymous Sat, Apr 13, 2019 11:39:34 No.13317790 >>13310402 S&P 500 and what ever you like as a side bet. But make it at least 20 year hold. Too bad my shitty euro country made it impossible to invest in foreign etf. And it was a right wing idiot government btw who made this law.

>>	Anonymous Sat, Apr 13, 2019 11:42:17 No.13317811 >>13317785 Well I appreciate the advice fren. I may switch from just cash every pay check to buying some consumer staple etf or something somewhat recession safe.

>>	Anonymous Sat, Apr 13, 2019 11:45:16 No.13317827 >>13317790 There are several EU-based ETF for the same index though, just buy those. You'll have the forex risk either way though but at least this way you don't have fees raping you every transaction.

>>	Anonymous Sat, Apr 13, 2019 11:55:38 No.13317926 >>13317827 You are absolutely right. Have to admit I'm a lazy retardish pot head and haven't actually even looked at EU alternatives lol

Anonymous Sat, Apr 13, 2019 12:08:04 No.13318027

>>13317811
My setup is $30k cash sitting on the sidelines for emergencies/big expenses/major buying opportunities/possible future down payment on a condo.

When my pay check comes in I replace whatever was spent from that $30k during those 2 weeks and invest the rest (usually around $700-800) in equities.

I have around $60-65k total in investments

Anonymous Sat, Apr 13, 2019 12:18:04 No.13318093

>>13315042
>>13315863
Hey guys I was gonna say this
>>13315863

fidelity is trash fampai and tbdesu with you I would smbaka if you didn't roll it over into a vangaurd ROTH IRA. That is the real shit. I've made 10K in assets while unemployed just this year between VCORX and VTI. Sure I can't put my hands on it for a decade or 3 but the returns are shitting all over my fidelity fren. I've actually sat down with two fidelity frens and compared our portfolios to convince them into rolling over so they can earn more.

Seriously get on the winning team and stop playing with the interns and out of college speculators.

>>	Anonymous Sat, Apr 13, 2019 12:19:05 No.13318100 >>13318093 meant to link this boi ri hurr >>13315900 the based dubs boi

>>	Anonymous Sat, Apr 13, 2019 12:21:44 No.13318126 >>13318093 >VCORX Why VCORX over VBTLX/BND?

>>	Anonymous Sat, Apr 13, 2019 12:22:38 No.13318133 >>13313955 Who are you? Literally nobody knows about Hmong people.

>>	Anonymous Sat, Apr 13, 2019 12:25:11 No.13318154 >>13313564 Taxes are going to hit you hard. Max your 401k and traditional IRA for that tax year. Paying of the school debt will be good for taxes.

>>	Anonymous Sat, Apr 13, 2019 12:26:58 No.13318169 >>13313863 Not worth it for 100k in taxes or whatever. Just max all tax shelters, debts, and ride it out.

Anonymous Sat, Apr 13, 2019 12:27:59 No.13318179

>>13310436
600k to 10 mil is 16x returns. That's 4 doublings. You can expect a single doubling in that timeframe with the standard vanguard funds, but these guys are right that you need either crypto or just many more decades to generate those returns

Anonymous Sat, Apr 13, 2019 12:31:09 No.13318205

>>13316790
Volatility is a stupid measure of risk. Its a mathematical approach to the stock market where you figure prices are pretty much normally distributed and your profits are the probability that the price is in the positive.

The only prices that matter are the day you buy and the day you sell.

>>	Anonymous Sat, Apr 13, 2019 12:34:28 No.13318228 >>13316025 That's a toughy because women are so fickle and herd-like. Starbucks is cool today, but will they like it tomorrow?

Anonymous Sat, Apr 13, 2019 12:35:05 No.13318237

>>13318093

The trick with Fidelity is to just stick with their index funds. FXAIX and FSKAX are both good and cheap index funds, but you will have to deal with capital gains in taxable.

I will easily admit that Vanguard's funds track their indexes a bit closer, plus their proprietary setup of linking their mutual funds with their ETFs (e.g. VTSAX/VTI) allows their fund holders to avoid capital gains throughout the year.

I've had far worse choices in the past than Fidelity... imagine a S&P 500 fund in a 401k with an ER = .63. I've heard some people complain about S&P funds with ERs as high as 1.05. Today, Vanguard, Fidelity, Schwab, and others are all having to lower ERs to play in the index space.

>>	Anonymous Sat, Apr 13, 2019 12:35:48 No.13318240 >>13317662 Boomer detected.

>>	Anonymous Sat, Apr 13, 2019 12:40:05 No.13318267 >>13313342 Truth FIRE is the dream for people our age, like a million dollar house, a boat, a giant TV, and Hawaii vacations is for the boomers.

>>	Anonymous Sat, Apr 13, 2019 12:45:55 No.13318308 >>13318267 Boomers had a different view on working. You worked 40-45 years and retired at 60-65 and there's no way out of that, so might as well live it up while you're slaving away. But now we know there is a way out much earlier than 60.

>>	Anonymous Sat, Apr 13, 2019 12:50:41 No.13318347 >>13313342 The golden bull.

Anonymous Sat, Apr 13, 2019 13:13:51 No.13318522

>>13317598
but this isn't /smg/

>>13318126
My VTI makes enough to buy another stock every reinvestment period so I'm always seeing green bb.

VCORX is indistinguishable from VTBLX in risk and price but VCORX has more volatility. So long as you had a sizeable amount in one or the other it doesn't matter too much.

For the price of the bond you could get much better dividends for that amount on other symbols. It just isn't appealing to my goals both short or long term. Not saying anything wrong with VBTLX its basically VCORXs twin brother at a 60 cents difference. BND though I would drop in an instant for more of the other two or another investment entirely depending on the amount sitting in it.

Anonymous Sat, Apr 13, 2019 13:20:25 No.13318591

>>13318522
>My VTI makes enough to buy another stock every reinvestment period so I'm always seeing green bb.
What do you mean by this? In terms of dividends?

I just do VTSAX since it's just as tax efficient and I don't like having to worry about buying full shares

>>	Anonymous Sat, Apr 13, 2019 13:29:04 No.13318660 >>13318154 >>13318169 Good points anon. I've been so pissed about the tax bracket I'm in I forgot that I deduct the absolute fuck out of those taxes. Not to mention tax shelters. Is there a comprehensive list of tax shelters out there?

Anonymous Sat, Apr 13, 2019 13:31:55 No.13318677

>>13318179
Yeah basically I'll need Link to do what everyone here thinks it will do. I'm not confident enough in the crypto space to truly go balls deep and put something like 400K into a portfolio of Link/Hot/Eth/Btc. I think I'm just gonna put 50K into Link and then maybe another 20K into Eth to hedge in case Sergey shits the bed

Anonymous Sat, Apr 13, 2019 14:21:34 No.13319015

>>13318660
There are lists. I just thought of HSA as well which should save you another 10k or so. but tax isn't an objective thing. Accountants and lawyers interpret the tax code to apply it to particular situations. They make a case to the IRS that what your doing makes sense.

Get a good accountant. You can afford it. They will find tax shelters never dreamed of. As a lawyer, you should understand the value of a professional in a situation like this.

I bet you can get off pretty clean here.

>>	Anonymous Sat, Apr 13, 2019 14:34:59 No.13319123 >>13313342 lets get anons! we all going to make it.

Anonymous Sat, Apr 13, 2019 14:41:20 No.13319178

>>13318677
ETH is not a fucking hedge you mong
Buy BTC, a small amount of LINK, that's it.

LINK is your bet on smart contracts. If LINK fails, it'll be alongside ETH going down.

BTC is hard and sound money, the original, certified, true purpose of crypto ('blockhain tech' is a boomer meme).

>>	Anonymous Sat, Apr 13, 2019 15:11:50 No.13319482 >>13319178 Ho Lee fuk there's someone stupid enough to still buy a link on this Earth

>>	Anonymous Sat, Apr 13, 2019 15:30:36 No.13319638 >>13319178 But if link succeeds, then the investment in eth should pay off big time as well right

>>	Anonymous Sat, Apr 13, 2019 15:35:12 No.13319676 >>13310402 90%+ VTI 10% VTI or whatever you want > Thread

Anonymous Sat, Apr 13, 2019 15:36:33 No.13319693
File: 91 KB, 189x209, 1454644871089.png [View same] [iqdb] [saucenao] [google]

>>13318205
>Volatility is a stupid measure of risk.
then what is a superior measure, please do tell

>>13318240
just a 26 year old boomer
3 fund portfolio hit $300k last month because I didn't pretend like my crystal ball was better than anyone else's

>>	Anonymous Sat, Apr 13, 2019 15:46:11 No.13319779 >>13313298 I think you mean SWPPX

>>	Anonymous Sat, Apr 13, 2019 15:49:06 No.13319801 >>13313342 so what you are saying is short the S&P500 while we still can?!?

>>	Anonymous Sat, Apr 13, 2019 15:50:47 No.13319823 >>13313409 SWPPX is a mutual fund run by Charles Schwab. It can be purchased in a Roth IRA, Traditional IRA, taxable account, etc... If you opened an IRA and you buy SWPPX, it will be tax deferred.

>>	Anonymous Sat, Apr 13, 2019 15:51:07 No.13319827 >>13319693 Don't agree with the dudes reasons but kurtosis or some measure of the tail probabilities of catastrophic failure/success are better imo. Considering only expected value or variance is a poor measure of risk.

>>	Anonymous Sat, Apr 13, 2019 16:36:25 No.13320135 >>13319178 You're being overly rational. Normies look at ETH like a cheaper BTC with more room to grow. Link is my investment into the actual space and tech. Eth is my hedge because in a speculative bull run it can outperform btc

Anonymous Sat, Apr 13, 2019 17:13:47 No.13320401
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>>13310402
Good job op finally a thread worth a shit in this godforsaken place. Ive read a few articles that go like this, boomers are to stocks, gen x are to mutual funds and this generation is to etfs. I think your on the right track as apprently the majority of financial advisers reccomend ETFs to their clients.

I like s&p 500, company bonds and real estate. Im not too confident in real estate since there seems to be another looming bubble but confident enough to about 12% of my total portfolio.

Acorns has done a great job halping poor fags like me get started, who also partner with vanguard. If any of you are struggling to save money like me this is an easy way to get started and intersted in investing.
https://acorns.com/invite/W4LWW3

Anonymous Sat, Apr 13, 2019 17:19:50 No.13320458

>>13319827
yeah by Markowitz's own admission that's likely true, however that doesn't mean you can't model the same frontiers with the same assets and reach roughly the same conclusions

not only that but the other poster seems to be some kind of greaseball that on one hand drank the indexing koolaid yet on the other thinks portfolio theory is "math" and not "real"

Anonymous Sat, Apr 13, 2019 17:45:21 No.13320621

>>13320401
Honestly I anticipate that real estate will be even more lucrative in the years to come because I suspect that capital gains and income tax will be raised. That seems to be were a decent amount of the political discussion has been heading so I have a feeling it will be the case

>>	Anonymous Sat, Apr 13, 2019 17:52:26 No.13320660 >>13320621 It will absolutely be the case with capital gains taxes. The dems aren't going to let us get filthy rich in crypto without taking a fat slice to fund the end of the west

>>	Anonymous Sat, Apr 13, 2019 18:00:03 No.13320726 >>13320621 Thats a good point, as long countries continue to be flooded with immigrants. Hmmm as much as i love to hate money i hate politics even more. Just happends to be the world we have to succeed in.

Anonymous Sat, Apr 13, 2019 18:07:53 No.13320773
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>>13320621
you realize anything past your primary residence is taxable by the exact same capital gains, right?
do you think rental income isn't taxable or something?
you're only exempted from capital gains on your primary residence to a limit of $250k for single filers, and if you think they're going to go after LTCG you're delusional to think they won't go after the house sale exemption

>>	Anonymous Sat, Apr 13, 2019 18:15:36 No.13320813 >>13320773 Rental income is income tax, not capital gains tax.

>>	Anonymous Sat, Apr 13, 2019 18:20:06 No.13320843 >>13320813 I didn't say it wasn't but you yourself said you expect both taxes to go up

>>	Anonymous Sat, Apr 13, 2019 20:53:09 No.13321924 File: 29 KB, 741x568, 1552628067143.png [View same] [iqdb] [saucenao] [google] Bump for interest

Anonymous Sat, Apr 13, 2019 23:19:21 No.13322735

>>13312000
“I want multiple millions”
Put it all in btc and kys when it hits 0 retard.
Other anon is right about indexing and bonds, but if you’re so retarded you think you can find more aggressive growth in CRYPTO you’re a retard and deserve none of that 600k

>>	Anonymous Sat, Apr 13, 2019 23:51:25 No.13322909 >>13314538 60/40 stocks

>>	Anonymous Sat, Apr 13, 2019 23:55:21 No.13322929 >>13317251 first quarter/february 2020 is my guess just from glancing at charts an shit. cap it.

>>	Anonymous Sun, Apr 14, 2019 00:21:23 No.13323055 Should I sell my physical gold and silver and just put it in vanguard? Seems to be more growth there

Anonymous Sun, Apr 14, 2019 00:41:02 No.13323147
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>>13319693

OP responding here.

The price is a single measure that masks all the important information. Price volatility only tells you what others in the market think (and the trading bots).

Price can't possibly reflect the risk of a business. It can't tell you how much of the core competency relies on one person who can quit. It can't tell you that the company is actually fraudulent and their product doesn't work. It can't tell you if they built their factory on top of a fault that is due for an earthquake.

Investing and risk is fundamentally about real people and businesses. Qualitative reasoning, informed by data is the only way to actually asess risk.

See Martin Shrekli's Analysis of that short trade:

"The Sisyphean Odyssey of the ELAD"

Anonymous Sun, Apr 14, 2019 00:44:12 No.13323165

>>13319693
I agree boglehead style investing is effective and a great option for most people. That board gets religious about though. They claim nobody can succeed by picking stocks or active trading. Anytime someone posts examples, they claim it was all luck, or will go away tomorrow, etc.

This is complete bullshit. The top investors do great. there just isn't that many, and their funds certainly aren't something you can sign up for at Fidelity.

Anonymous Sun, Apr 14, 2019 00:45:57 No.13323173

>>13323165
Boomers always believe others success is luck except their own. Their worldview is basically malcolm gladwell. Don't turn that into an investment strategy. Just accept your three fund portfolio strategy as a good option, and recognize its possible for others to do better.

>>	Anonymous Sun, Apr 14, 2019 00:47:08 No.13323177 >>13323055 Gold and Silver aren't cash flow earning investments, they can't "grow".Tthey are stores of value to hedge against inflation or financial instability. It sounds like you shouldn't own any since you don't understand what you bought.

>>	Anonymous Sun, Apr 14, 2019 00:51:33 No.13323194 >>13322735 Is this nigger serious? also >btc not gonna make it fag

>>	Anonymous Sun, Apr 14, 2019 00:52:49 No.13323204 >>13322735 shut the FUCK up boomer

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