[ 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

View post   
File: 721 KB, 2560x1714, 1586819456921.jpg [View same] [iqdb] [saucenao] [google]
18721393 No.18721393 [Reply] [Original]

How would you invest $50,000 per year for the next 10 years.

>> No.18721526

Buy LINK

>> No.18721543

>>18721393
British american tobacco

>> No.18721626

>>18721393
Bitcoin and farm land with indisputable water rights

>> No.18721670

>>18721526
Unironically this and some high divvy stocks.

>> No.18721694

>>18721670
How many LINK would you feel comfortable buying?

>> No.18721771

>>18721393

Target date retirement fund based on your age. That's too much money to not bank safely and not worry about money when I can't make anymore.

>> No.18721820

>>18721771
I already max out my 401k.

>> No.18721881

>>18721820
>I already max out my 401k.
not an american here 401k's have a max limit?

>> No.18721969

>>18721881
Yeah $19,500

>> No.18721973

>>18721820

Blend of dividend growth with active dividend funds? Assuming you'd want to back off of any active income and instead build more passive income for you to live off of right now.

You could try to understand things like REITs better and try to cherry pick quality businesses when prices take a hit for reasons that don't correlate with a 'bad business'. I wouldn't want everything in one basket so small allocations at certain price points so that you're buying higher yields that should in theory be sustained.

>> No.18721975
File: 11 KB, 400x400, PYRO-Network-Airdrop-PYRO.jpg [View same] [iqdb] [saucenao] [google]
18721975

I'd put all of it in Pyro Network. Guaranteed billionaire (with a b) in a few years as supply becomes lower. You could corner a great amount with $50k.

>> No.18722262

>>18721393
I invest around $90k a year and this is what I do:
>$19.5k in 401k in 2065 vanguard retirement fund (VLXVX)
>$6k goes to a (backdoor) Roth IRA in a 40/60 split of UPRO/TMF rebalanced at least quarterly (rebalanced more often during volatile times like now)
>The rest goes into a taxable account in vanguard total market index fund (VTI)
Eventually I'll get some more exposure to international and maybe bonds, but I'm still young and not wealthy yet.
If you're investing $50k/yr, you don't need to take huge risks like most of the poor, third worlders on this forum hoping to leave their shithole countries through some miraculous 50,000% gain. Invest in US/World equity and some US/World bonds, and you'll be wealthy enough.

>> No.18722278

for the duration of the coronavirus crisis, I would keep it in cash, find a savings account with as high of an interest rate as you can

>> No.18722291

>>18721975
>guaranteed billionaire
[citation needed]

>> No.18722416

>>18721393
land, bitcoin, gold
in that order

>> No.18722453
File: 1.45 MB, 500x375, 6E980823-6E14-4142-8D47-F5CCC6C80231.gif [View same] [iqdb] [saucenao] [google]
18722453

>>18721694

24,000 a year. 12,000 now, 250 a week forever.

>> No.18722463

Invest in gold mines, literally

>> No.18722486

>>18721393
I'd put it all in SPY. Pretty much what I'm doing maxing out my 401(k) and Roth IRA.

>> No.18722512

>>18721820
Imagine giving your money to someone else to invest it when the internet allows for direct buys

>> No.18722583

>>18722512
Imagine not understanding the tax benefits that 401(k)s provide. You can actively manage your 401(k).

>> No.18722627

>>18721975

Where I even do I acquire this

>> No.18722686

>>18722627
https://uniswap.exchange/swap

>> No.18722700

>>18722262
Why VTI in taxable without VXUS? AND you're using leveraged funds in the Roth, the balls on this guy

>> No.18722708

>>18721820
>giving your goy fiat goy bux to the very same people who jew'd you
GET A LOAD OF THIS GOY
>ooops sorry sir we are taking 25% out of your retirement to pay for the illegals and gibs. srry not srry

>> No.18722742

>>18722708
Literally will never happen.

>> No.18722760

>>18721393
Depends how much risk your willing to take.

>> No.18722768

>>18722686
>lies

No exchange found

>> No.18722779

>>18721771
Pussy

>> No.18722806

>>18722768
Direct link: https://uniswap.exchange/swap?outputCurrency=0x14409b0fc5c7f87b5dad20754fe22d29a3de8217

>> No.18722884

>>18722806

Thank you anon, care to quickly shill this coin to me?

>> No.18722952

>>18722700
>Why VTI in taxable without VXUS?
I only have 5 figures in VTI so far, so I haven't decided my internal allocation percentage yet. I need to read more into international allocations and make a decision.
>AND you're using leveraged funds in the Roth
The leveraged funds have the highest expected return, so I put them in the most tax efficient account. I'm hoping they can continue to outperform the S&P500 over a long period of time. Interests rates are low so leverage is cheap.
>the balls on this guy
I hold a year of expenses in a savings account and have a good job in a booming field, so my appetite for risk can be a bit higher.

>> No.18722993

>>18721393
ETH

>> No.18723441

>>18722742
>what is inflation
buddy they're taking it from us one way or another
soon your monthly check will buy you less therefore theft of your currency
dum dum

>> No.18723575

>>18721393
$VOO

>> No.18723641

>>18722806
What a fucking scam lmfao

>> No.18723745

>>18722952
Godspeed. I tried with TQQQ and lost my shirt thanks to corona. Never again. Calls and puts in my Roth + VTI/VXUS for stability.

>> No.18724070
File: 109 KB, 854x850, 7aSf5yO.png [View same] [iqdb] [saucenao] [google]
18724070

>>18723745
Thanks. The idea with the leveraged treasuries is there is a slight negative correlation between equities and treasuries on more volatile days, so when S&P500 goes down quickly, 20-year treasuries go up. Then you rebalance back into 40/60 equities/treasuries to catch the upswing. If you only hold 3x leveraged S&P500 equity, you will bottom out very quickly in a bear market and will be unable to generate meaningful nominal returns with a bull market when starting from such a low point. Hopefully the government continues to keep interest rates low, or this strategy will not perform well like it has since 1982.

>> No.18724097

>>18724070
Thanks for the info, I will read more into it

>> No.18724118

>>18724097
I stole it from someone else who did all the research. Search "HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]"

>> No.18724155

>>18722884
It's a deflationary token: every transaction destroys part of the supply. Thus, in the future, there will always be less. You can also stake it on their site. Read here: https://pyro.network/

>>18723641
Not scam. Read what it is.

>> No.18724247

>>18721393
gold and silver

>> No.18724275

>>18721526
Not this. I would honestly day trade stocks with the correct indicators from tradingview. The paid premium indicators that people create and use algorithmically in order to trade into the specific alt going and out as well as into and out of Bitcoin in USDt in order to continue constantly making BTC because that's the name of the game it's all for Bitcoin.
While you're at it take a swing at day trading STEEM today for 400 to 500 sats profit every few hours. Be well

>> No.18724281

>>18721543
I'm in on this and losing money.

>> No.18725313
File: 137 KB, 788x459, 1582785399572.png [View same] [iqdb] [saucenao] [google]
18725313

>>18721393
all of it into bitcoin, is there a way to get some of the money in advance? so I can put it into bitcoin right now.

>> No.18725803

>>18721393
Set up my housing and other core life needs all paid for in cash. Admittedly it won't have the return rate of others investments, but as a non-volatile self improvement and decreased stress path makes it a good move for me. Plus I can branch out and keep old parts as rental properties, while still working a day job.

expanding on that I would help people. One of the easier ideas is if returns are high enough I could take over a chunk of the local housing market and gut property values. It would lose me a lot of money, but theoretically with that kind of market power I could decouple housing from investing thus dramatically improve my cites living standards at the cost of outside investors and myself. The compounded saving of everyone else would be more then enough to generate donations for me to retie a happy life.
something like
Hey, lower income folks. Would you like to support my retirement through ~$100 a month donations and get to own your home rent free, or keep paying ~$1000 a month with threat of eviction if the landlord finds a better deal.

>> No.18726694

Buy now or will there be another dip soon?

>> No.18726828

>>18721820
Add 6,000 of IRA and 3,500 of hsa. Then get physical fitness, style, and personal relationships sorted. Then invest in career/education. Anything leftover goes into mutual funds for a 5-10 year horizon or hysa for shorter horizon.

>> No.18726863

>>18721393
All on BTC & XMR

>> No.18726885

>>18721393
well first i would pay income taxes
and then i’d use the remaining 12k to buy bitcoin

>> No.18726910
File: 342 KB, 632x676, 79E20AE4-F2D1-44E6-8C1D-DCE2206E9AB6.png [View same] [iqdb] [saucenao] [google]
18726910

>>18722583
your IRA*
i’ve made 160% profit in my ira this year with put options and now it’s 100% in GBTC

>> No.18727059

>>18721393
By liquor stores and reinvest the profits into something else.

>> No.18727077

>>18727059
Buy* also I start growing opium

>> No.18727089

>>18721626
anyone can dispute whatever the hell they want. hope you know how to farm in the first place

>> No.18727515

>>18721771
Goy's best choice

>> No.18727658

>>18721670
> high divvy stocks
> not divvy stocks with long history of growing dividends but low payout ratios and low P/B ratios.

>> No.18727696

>>18721820
Stop that. Pay only enough to match your employer and then invest the rest in a taxable account. If you withdraw any amount from your 401k the money will be taxed as regular income. If you hold a security in a taxable account for over a year you will be taxed long term capital gains for both federal and state (if your state even taxes them). You still get standard deduction and can drive it down further with writeoffs if you choose. Those are the only taxes you pay - no Medicare or Social Security. If you only collect dividends then you will get the same treatment so long as they are qualified dividends. 401ks and IRAs are a trap outside of employer match.

>> No.18728009

>>18721393
VTI/VXUS (70/30 of 80%), VNQ/VNQI (50/50 of 10%), BND/BNDX (50/50 of 10%)
Rebalance quarterly, don't think about it too much. You'll under-perform a bit if we get another bull run like the last one, but who knows what the crystal ball will say?

>> No.18728813

>>18721393
gold, silver, vodka & whiskey.

>> No.18729481
File: 105 KB, 640x640, 1587496454818.jpg [View same] [iqdb] [saucenao] [google]
18729481

>>18721393
I would save for 3-4 years and then hire a bunch of artists, found my own comic studio and live out my ultimate weeb fantasies.