[ 3 / biz / cgl / ck / diy / fa / ic / jp / lit / sci / vr / vt ] [ index / top / reports ] [ become a patron ] [ status ]

2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

File: 69 KB, 493x412, IMG_2267.jpg [View same] [iqdb] [saucenao] [google]

Anonymous Fri Oct 21 16:59:11 2016 No.1580223 [Reply] [Original]

Lads I'm lazy and investing is a hassle. Can I just buy Vanguards S&P 500 etf and hold on to it for like 5 years?

>>	Anonymous Fri Oct 21 16:59:34 2016 No.1580224 >>1580223 >Can I just buy Vanguards S&P 500 etf and hold on to it for like 5 years? Yes but more like 10-20 years.

>>	Anonymous Fri Oct 21 17:05:20 2016 No.1580228 >>1580224 Really depends how the stock market goes no?

>>	Anonymous Fri Oct 21 17:06:20 2016 No.1580230 >>1580228 No you should hold as long as possible.

>>	Anonymous Fri Oct 21 17:25:06 2016 No.1580242 >>1580223 you will be a millionaire by age 70

>>	Anonymous Fri Oct 21 17:32:54 2016 No.1580249 >>1580242 >you will be a millionaire by age 70 Better than broke trying to trade cryptocurrencies and penny stocks.

>>	Anonymous !TRUMPUOKz6 Fri Oct 21 17:49:28 2016 No.1580270 >>1580249 /biz/ btfo

>>	Anonymous Fri Oct 21 17:51:20 2016 No.1580273 File: 68 KB, 800x526, imdying.jpg [View same] [iqdb] [saucenao] [google] >>1580249 >Better than broke trying to trade cryptocurrencies and penny stocks. BASED

>>	Anonymous Sat Oct 22 10:56:14 2016 No.1581128 You will do better than 90% of people on this board

>>	Anonymous Sat Oct 22 11:04:34 2016 No.1581141 >>1581128 >Only 90 Try 99%

>>	Anonymous Sat Oct 22 11:23:02 2016 No.1581166 >>1580224 This. But invest like 55% into Vangaurd's emerging market index. Wait 20-30 years and beat the S&P by a significant amount.

>>	Anonymous Sat Oct 22 11:24:02 2016 No.1581168 >>1581166 Is this a meme?

>>	Anonymous Sat Oct 22 11:27:45 2016 No.1581177 >>1580223 5 years is too short of a window to invest in the S&P 500; you'll need at least 10 years minimum to safeguard against a potential recession. Also consider if you employer matches contributions to your 401k.

>>	Anonymous Sat Oct 22 11:33:50 2016 No.1581180 >>1581168 Not really. Malkiel has been advocating this for years and the math checks out (basically, you reduce risk in volatile markets by holding indices for long periods of time).

>>	Anonymous Sat Oct 22 11:34:23 2016 No.1581182 >>1581177 My employer doesn't do 401k matching. They do have a profit sharing trust but that's only for employees who've been there awhile

>>	Anonymous Sat Oct 22 11:36:51 2016 No.1581183 >>1581180 But aren't emerging markets meme?

Anonymous Sat Oct 22 11:44:58 2016 No.1581187

>>1581183
I suppose that they could be if one considered them individually, but with a diversified (indexed) portfolio you can limit your risk.

Plus the topic doesn't come up TOO often here and even when it does it's based mostly on individual markets.

Anonymous Sat Oct 22 11:49:21 2016 No.1581190

>>1581182
>My employer doesn't do 401k matching.
That sucks. Keep in mind that most of Vanguard's stuff has a minimum first-time contribution limit (I think it's usually 3-10k minimum to contribute into an IRA). Otherwise they're great and have cheap upkeep fees.

>>	Anonymous Sat Oct 22 11:58:50 2016 No.1581196 >>1581190 That's why I'm thinking ETFs they didn't have minimum contributions iirc

Anonymous Sat Oct 22 12:09:41 2016 No.1581202

>>1581196
ETFs can be good, but they usually have higher upkeep costs and can be poorly managed.

I'm personally saving up for a Vanguard emerging market buy while feeding the few indices that my employer offers (my employer also matches a whopping $100 annually so I have that going for me, I guess).

>>	Anonymous Sat Oct 22 12:33:09 2016 No.1581225 >>1581202 >work slave-tier horseshit at amazon warehouse >max match into 401k is 50% of 4% contribution I guess I really do have it good in benefits.

Anonymous Sat Oct 22 12:48:07 2016 No.1581238

>>1581225
I should note that I have the added benefit of not getting penalized if I want to take out my investment early.

Your benefits aren't awful. My SO's employer matches 100% up to some crazy amount. She makes a lot but she invests in government (US) bonds and specific companies though. Her investments hardly cover inflation.

>>	Anonymous Sat Oct 22 21:20:57 2016 No.1581834 Stock market might crash. Invest in gold and cryptocurrency

>>	Anonymous Sat Oct 22 21:22:33 2016 No.1581836 >>1581834 >Stock market might crash That means it would be a good time to buy more.

Anonymous Sat Oct 22 21:59:30 2016 No.1581879
File: 115 KB, 600x599, 1382142904785.jpg [View same] [iqdb] [saucenao] [google]

>>1581187
I just dropped into /biz/ for the first time and this doesn't make a bit of sense to me. When the overwhelming majority of businesses and startups fail how does diversifying your portfolio do anything but increase your chance at also losing out?

>>	Anonymous Sat Oct 22 22:09:31 2016 No.1581893 You'd be buying pretty high right now, we're due for a recession

Anonymous Sat Oct 22 22:27:14 2016 No.1581923
File: 79 KB, 1145x798, S_and_P_500_chart_1950_to_2016_with_averages.png [View same] [iqdb] [saucenao] [google]

>>1581879
It's just a fact. Over time, the S&P index has increased over time. If you invest in a index fund that tracks it, you'll (almost) guaranteed good returns over time.

>>	Anonymous Sun Oct 23 02:58:35 2016 No.1582175 >>1581893 Should I wait for a crash before buying?

>>	Anonymous Sun Oct 23 03:27:27 2016 No.1582194 File: 1.62 MB, 400x225, 1472511489609.gif [View same] [iqdb] [saucenao] [google] >>1581923 >over time >66 years lol.

>>	Anonymous Sun Oct 23 03:39:05 2016 No.1582200 >>1582175 no, you'll be missing out on market opportunities while you wait.

Anonymous Sun Oct 23 03:51:03 2016 No.1582213
File: 73 KB, 800x533, 1472751427805.jpg [View same] [iqdb] [saucenao] [google]

>>1582200
this person is right and wrong.

if you have to ask about timing the market. you don't have the experience or knowlege to do it effectively. then no...
ofc.

if you are an economic veteran ,then you would know the ONLY time to buy stocks, is after a crash, because crashes are inevitable, sudden, and devastating, especially if you are leveraged.

while ur waiting for the crash. you should deal in commodities and bonds.

stocks are not for holding. you want to get in and out, unless you are a CEO or something.

>>	Anonymous Sun Oct 23 03:55:12 2016 No.1582216 >>1582175 >Should I wait for a crash before buying? You could be waiting... a long long long time. The market was "due for a crash" 200-300 points ago. I'm sure you could've waited and missed out on all those gains too.

Anonymous Sun Oct 23 03:59:41 2016 No.1582219

>>1582216
if you knew anything about the current market. you would know the market has purely been seeing gains dependant on the rise of the price of oil. ergo. buy oil now.hold. when markets crash its gonna be fucked. it might not recover.
us will probably become an islamic state unless china intervenes which is a more likely scenario.

>>	Anonymous Sun Oct 23 04:06:36 2016 No.1582225 >>1582219 >when markets crash its gonna be fucked. it might not recover. yeah yeah i've been hearing that for a while now. Wasn't 2012 suppose to be the end of the world?

Anonymous Sun Oct 23 04:16:44 2016 No.1582228
File: 71 KB, 675x450, 23UP-SUB-big-short-master675.jpg [View same] [iqdb] [saucenao] [google]

>>1582225
im talking about the US market.
and when i say recover . i mean return to the peak index price as you have been accustomed to only this year , and in 2007 .

its not gonna be the end of the world, just the end of ur joyful ride on the index train .

>>	Anonymous Sun Oct 23 14:20:44 2016 No.1582767 >>1582194 2/10 made me reply

>>	Anonymous Sun Oct 23 14:31:13 2016 No.1582782 Will Vanguard ETFs net me a girlfriend

>>	Anonymous Sun Oct 23 14:32:30 2016 No.1582784 >>1582782 >ey bb u wanna c muh portfolio?

>>	Anonymous Sun Oct 23 14:38:31 2016 No.1582790 File: 67 KB, 720x1280, Screenshot_2016-10-23-14-37-40.png [View same] [iqdb] [saucenao] [google] Part of the Xavier's School chat room

Advanced search
Text to find
Subject [?]Search by post subject. Leave empty for any.
Username [?]Search for user name. Leave empty for any user name.
Tripcode [?]Search for tripcode. Leave empty for any.
Email [?]Search by email. Leave empty for any.
Filename [?]Search by image filename. Leave empty for any.
From Date [?]Enter what date to start searching from. Format is YYYY-MM-DD
To Date [?]Enter what date to start searching until. Format is YYYY-MM-DD
Image hash
Search in	All Posts OPs Only
Deleted posts	Show all posts Show only deleted posts Only show non-deleted posts
Internal posts	Show all posts Show only internal posts Show only archived posts
Order	New posts first Old posts first
Capcode	All Posts Only by Users Only by Mods Only by Admins Only by Developers
Results	Posts Threads
Action	[ Simple ]