/biz/ - Business & Finance

[Anonymous No.49888595]

>pile cash
>get raped by inflation
>invest so you dont get raped by inflation
>get double raped by crashes and inflation

Man what the fuck is this life, I legitimately feel like if youre not in the top 20% of anything in this world that youre just going to live a life of being raped constantly

[Anonymous No.49888619]

>>49888595
The bobos were right, should have shorted all markets with leverage. Only the bobos will make it now

[Anonymous No.49888623]

>>49888595
if you just dca for years you'd still be up

[Anonymous No.49888629]

>>49888595
the crash is temporary. inflation is permanent

[Anonymous No.49888639]

>>49888595
I was all in cash since Decembe.Bought in when btc hit 17-18k

How much raped i am?

[Anonymous No.49888846]

>>49888623
DCA doesnt work

[Anonymous No.49888874]

>>49888595
crypto is crashing exactly as long as it takes normies to realize that a recession doesnt mean no inflation
btc IS a store of value
REPENT

[Anonymous No.49888876]

>>49888846
Then why does the client private index always underperform its benchmarks

[Anonymous No.49888879]

>>49888846
DCA can work I literally put in money every week for years and am unbelievably up. My timeframe is way longer than one cycle though so it works for me. Doesn't work if you don't believe in what you are holding for the long term and plan on cashing out

[Anonymous No.49888908]

>>49888876
>>49888879
DCAing works if you

1) Have a high income

2) Dont plan on making it by 70

Kill yourself, right this moment, for even suggesting DCA. You redditing dumb fuck cunt midwit.

[Anonymous No.49888917]

>>49888595
We're all in the same boat.

We're never gonna make it. Feels bad man.

[Anonymous No.49888924]

>>49888908

[Anonymous No.49888940]

>>49888924
Youre a fucking midwit, who pours all his funds into an index fund, who will wait until he is 70 fucking years old to "make it"

CONGRATS DUMB FUCK

Some of us are here trying to make it before being old fucking retired fucks. You dumb fucking cunt. You think you can DCA and make it when still relatively YOUNG? NO, you STUPID FUCKING CUNT.

[Anonymous No.49888942]

>>49888595
Markets not a get rich quick scheme homie. Play the long game. The people who kept their assets through the great recession passed their fortunes on to the millionaires and billionaires we have today.

[Anonymous No.49888943]

>>49888595
Invest in learning skills
They can't erase your mind, yet.

[Anonymous No.49888953]

>>49888595
the answer is Holocaust 2: But Real This Time.

[Anonymous No.49888973]

>>49888942
SHUT THE FUCKING FUCK UP YOU FUCKING MIDWIT

[Anonymous No.49889000]

>>49888846

It worked for the last 40 years, but people have no idea what is coming. We've been in a 40 year (USA) stock bull market and 40 year bond bear market, where indexing was unironically the best option and ignoring bonds was fine. We are entering a period now where you will actually need active management or you're going to get financially raped.

If it wasn't for the fucking sanctions on Russia, I would've been flatlining right now because of how I diversified. Instead of being down 15% - 20% like most normies. My oil/gas, mining and agriculture holdings protected me when my other equities (especially in emerging markets) got hammered.

We are at the point where people are going to finally know what it's like to lose money. Most Gen-X, Millennials and Zoomers haven't experienced shit like this yet. The Boomers have already been through mini versions 2-3 times (2000, 2008 and 2020).

[Anonymous No.49889006]

>>49888940
No need to freak out. People have different goals. Some want to take degenerate risk and make it quickly. I get the appeal, I really do. Some people want to pick a good long term plan and stick to it based upon what they feel comfortable saving week to week. They would rather invest without having to overanalyze the markets so they pick a strategy and stick to it. Both have their pluses and minuses. DCA normie may not make it fast but is less stressed and is probably fucking your wife while you stare at coinmarketcap coin #2345 all day

[Anonymous No.49889042]

>>49888940
>he doesn't invest in high-interest short-term commercial debt
you're never going to make it, fag

[Anonymous No.49889061]

>>49889000
THIS IS THE FUCKING PROBLEM

THESE FUCKING MIDWITS THINK JUST BECAUSE DCA WORKED FOR THEIR PARENTS THAT ITS GOING TO MAGICALLY WORK FOR THEM

NO

WE ARE NOW IN THE PERIOD WHERE ONLY THE HIGH RISK CRAZY FUCK INVESTMENTS WHERE YOU RISK LOSING EVERYTHING WILL PAY OFF

ALL THE "SAFE" INVESTMENTS WILL NO LONGER EXIST, YOU WILL GET RAPED AND RAPED AND RAPED AND RAPED IF YOU THINK YOUR LONG TERM STRAT WILL PAY OFF

I CAN BET IN 30-40 YEARS YOUR INDEX FUNDS WONT EVEN FUCKING EXIST

[Anonymous No.49889102]

>>49889042
>JUST WAIT 60 YEARS TO MAKE IT BRO

SHUT

THE

FUCK

UP

RIGHT

FUCKING

NOW

YOU

ABSOLUTE

CUNT


YOU UNDERSTAND EVEN IF I CARED ABOUT MAKING IT ON A DECADES TIME-FRAME, THAT YOU REALIZE THE WORLD IS GOING TO FUCKING SHIT, AND YOUR INDEX FUNDS WONT EVEN FUCKING EXIST BY THEN, YOU UNDERSTAND THIS RIGHT? FUCKING HELL SOME OF YOU ARE FUCKING DENSE AND BLIND TO WHAT THE FUCK OUR PLANET IS HEADING TOWARDS

YOU HAVE RECENY BIAS BECAUSE OF POST WW2 BABY BOOM TO NOW BEING SO FUCKING AMAZING FOR GROWTH, THAT PERIOD IS FUCKING OVER, SHUT THE FUCK UP AND STOP PEDDLING YOUR LONGTERM SAFE STRATS THAT DONT FUCKING WORK ANYMORE YOU CUNT FAGGOT

[Anonymous No.49889118]

>>49889061
>>49889102
Get a load of this commie

[Anonymous No.49889136]

>>49889102
actual schizo
those calculations are not based on index fund returns, smoothbrain
if you invest in two 6-month notes a year back-to-back that have a 10% return, that's 21% a year
step up
i don't even have to think about it

[Anonymous No.49889163]

>>49889102
Dude you are very blackpilled. What does your short term strategy look like then? What do you think is going to happen?

[Anonymous No.49889174]

>>49889118
SHUT THE NIGGER FAGGOT UP CUNT.

IM TRYING TO MAKE IT RIGHT NOW.

NOT LATER

NOW.

THERE MIGHT NOT EVEN BE A FUCKING LATER

YOU UNDERSTAND THIS?

DO YOU EVEN SEE WHERE THE WORLD IS HEADING?

YOUR "SAFE BET" FUNDS WONT EVEN FUCKING EXIST IN THE FUTURE WHEN YOUVE PLANNED TO EXIT THE MARKET. YOU UNDERSTAND THIS RIGHT?:?>>>>??????

>>49889136

[Anonymous No.49889194]

>>49889136
I think I might be missing something here. Aren't the interest on those only 2.41%?

[Anonymous No.49889221]

>>49889061
Have sex

[Anonymous No.49889236]

What part of you will own nothing and be happy didn't you get?

[Anonymous No.49889253]

>>49889194
>Aren't the interest on those only 2.41%?
no

[Anonymous No.49889265]

>>49888595
Invest in cashflowing investments.

[Anonymous No.49889273]

>>49888595
Inflation adjusted +2% saving account maybe?

[Anonymous No.49889295]

>>49889000
>. Most Gen-X, Millennials and Zoomers haven't experienced shit like this yet. The Boomers have already been through mini versions 2-3 times (2000, 2008 and 2020).
checked but wtf anon, Boomers are literally dying right now, it's the millenials who are living it again & again, 2008, 2015, 2020, 2022...

[Anonymous No.49889299]

midwits getting btfo in here by one madlad kek

[Anonymous No.49889322]

>>49889253
Can you share info? Or a book/website to check out to get started in this?

[Anonymous No.49889362]

>>49889174
if you really want to make it get skills then a good job/start your own business you lazy fucking retard shut the fuck up

[Anonymous No.49889381]

>>49889362
YOU DONT MAKE IT DOING ANY OF THAT UNLESS YOURE IN THE TOP 20%

STOP WASTING MY TIME WITH YOUR BULLSHIT

[Anonymous No.49889410]

>>49889381
excuses excuses

[Anonymous No.49889436]

>>49889253
Anon please spoon feed me here. I’m lending to someone flipping houses? If housing market takes a turn during these projects I’d lose it all.

[Anonymous No.49889438]

>>49888595
should have bought gold

[Anonymous No.49889469]

>>49889006
Kek

[Anonymous No.49889505]

>>49888595
Don't forget housing! You still can't afford to buy housing since it isn't crashing and line still go up! :^)

We never had a chance.

[Anonymous No.49889541]

>>49889322
>>49889436
Yieldstreet
Groundfloor
Honeycomb Credit
Mainvest

If you're an accredited investor there are way more options

[Anonymous No.49889551]

>>49889163
CBDC'S and stakeholder capitalism, this is the future for plebs, even those with multi-millions.

We are in the process of the final Federal Reserve Note rugpull.

[Anonymous No.49889566]

>>49889000
>We've been in a bond bear market
We have been in a bond bull market...literally 40 year long fucking bull market and just broke the trend.
Shits fucked, definitely will need active management.

[Anonymous No.49889593]

>>49889436
Shh..he doesn't know...

[Anonymous No.49889856]

>>49889505
>>49889593
Housing prices are based on cost of credit, supply, and cost to build new home. Things are pointing towards a correction, will take some time tho.

[Anonymous No.49889961]

>>49889273
>Inflation adjusted +2% saving account maybe?
......?
a lloyds easy saver is 0.01% and an isa saving certificate is 0.9%.

[Anonymous No.49890016]

>>49888940
>trying
Ok so whatever the fuck you're doing isn't working either.

Sent from my iPhone

[Anonymous No.49890023]

let me tell you a secret

[Anonymous No.49890126]

>>49890016
DO you want to get fucked up in a 1 v 1 situation???????? VERSUS ME????

[Anonymous No.49890280]

>>49889174
>TRYING
Self rekt.

Sent from my iPhone

[Anonymous No.49890511]

>>49889566

Ya I mistyped, sorry about that

[Anonymous No.49890531]

>>49890511

What I meant was the 60/40 stock/bond portfolio worked because you could just index and ignore your bonds since both were in a bull market.

[Anonymous No.49890555]

>>49888908
Actual brainlet poorfag forever mindset holy cow

[Anonymous No.49890593]

>>49889000

Active management has never worked and there is no evidence of it working. If you hire active managers you are getting scammed and you don't have the resources to do it yourself.

[Anonymous No.49890614]

>>49890023
Yeah, what is it?

[Anonymous No.49890628]

The theoretical rationale for indexing is incredibly sound. It's never going away. It is active management who is losing out every year. Both in Assets under management and performance. Index chads can't stop winning-

[Anonymous No.49890652]

>>49890628
You have no idea whats coming for the global economy faggot cunt

[Anonymous No.49890679]

thats why all my moneys in gold

[Anonymous No.49890700]

>>49890593

Do more research, passive ndexing beats active management over the long-term (over the last 40 years). Active management beats passive indexing during volatile market conditions, one of the main reasons being active managers hold way more cash and can take advantage of dips. Passive index funds hold like 0.01% cash. They can't do anything except sell stocks when people want to liquidate and buy stocks when people out money in. Passive indexes have 0 discretion or room to maneuver.

[Anonymous No.49890743]

>>49890593
>>49890628

I've noticed every single argument for passive indexing conveniently starts in 1981. You people are going to get smoked.

[Anonymous No.49890746]

>>49889061
Calm your tits buddy

[Anonymous No.49890756]

> Active management beats passive indexing during volatile market conditions, one of the main reasons being active managers hold way more cash and can take advantage of dips

This is completely false of course but ok I'll bite; Show me the evidence for this statement.

[Anonymous No.49890766]

>>49889000
>this time its different

[Anonymous No.49890776]

>>49890743

No, the rationale behind indexing is mathematical and therefore it is eternal. The fact that you don't know this implies that your finance education is at high school level at best.

[Anonymous No.49890802]

>>49889541
is this safe? what about when thy cant pay the loan back? can yuros get in on this?

[Anonymous No.49890811]

>>49890766
Yes it is? Are you able to buy a house like your parents and grandparents did??

NO

THOUGHT SO FAGGOT

[Anonymous No.49890813]

>>49888595
>all assets are overbought
>idiots start buying rights to digital art because we are at business cycle peak
Everything is going to lose big but what will lose the least is the question.

[Anonymous No.49890824]

>>49890811
theres plenty people buying houses anon
why are you so unhinged?

[Anonymous No.49890828]

>>49888619
They smack the bobos with random pumps like yesterday and scamwicks

[Anonymous No.49890835]

>>49890776

>Ad hominem attack

We're done.

[Anonymous No.49890865]

>>49890835

It's not an attack, it's a refutal against your statement that evidence relies on data from 1981. It literally doesn't. Indexing has time independent mathematical justification. You would know this if you were educated. This is not a personal attack it's just the facts.

[Anonymous No.49890872]

>>49890802
>can yuros get in on this?
no clue

>what about when thy cant pay the loan back?
the loans are collateralized using the property
if they can't pay back, a payment plan with higher interest is worked out ($$$) or their property is seized, sold, and the funds distributed to the investors

[Anonymous No.49890884]

>>49889042
>>49889136
>>49889541
what are the risks involved? 21% yearly is way more than what most corporate bond etfs offer

[Anonymous No.49890888]

>FED forms in 1913 and starts manipulating interest rates
>index fags conveniently only look at 20th century of investing
zoom out index faggies, your house of cards is about to collapse

[Anonymous No.49890890]

>>49890872
this sounds great I just wonder what the catch is. sounds almost a bit too good.
im gonna do some research on this thx

[Anonymous No.49890908]

>>49890888
this nibba wants to fearmonger because index chads dont consider data from 17th century mercantile days lmao. just give up already index chads will keep winning and you will keep seething.

[Anonymous No.49890972]

the perfect portfolio
25% precious metals
25% real estate
50% crypto

[Anonymous No.49890973]

>>49890824
THE MAJORITY OF PEOPLE BUYING HOUSES ARE 50+ YEAR OLD BOOMERS, CHINESE, AND BILLION/TRILLION DOLLAR HEDGE FUNDS.

THAT IS THE REALITY OF THE SITUATION YO RETARD FUCKING CUNT.

LOOK AT % OF 24-35 YEAR OLDS LIVING AT HOME WITH THEIR PARENTS. ITS FUCKING SKYROCKETED IN THE LAST 15 YEARS. THIS WILL ONLY GET WORSE AND WORSE. ITS NOT GOING TO GET BETTER.

BUCKLE UP YOU FAGGOT NIGGER CUNT BITCH SLUT

[Anonymous No.49890980]

>>49890972
bro what about bonds?

[Anonymous No.49890991]

>>49890980
return free risk

[Anonymous No.49891016]

>>49890991
thanks jEW

[Anonymous No.49891281]

>>49890991
Lmao, good catch phrase

[Anonymous No.49891290]

>>49890973
You should invest in rope if you can't see a bright future.

[Anonymous No.49891362]

>>49890890
>>49890884
If the debtor finds out during the renovation that the house is a bigger shithole than he thought the shithole is worthless. To earn 10% interest on the loan in 6 months must mean most of the houses are shitholes that banks wouldn't issue a loan for.

[Anonymous No.49891370]

>>49890972
this is the only portfolio that will 100% survive this market

60% real estate
40% precious metals
and a high income

You can be greedy and try to make a buck but you are always paying the price via risk

[Anonymous No.49891373]

>>49888629
That ID

[Anonymous No.49891376]

Invest in yourself and maximize your income.

All assets are going to zero.

[Anonymous No.49891531]

>>49891362
hard money loans have higher interest

[Anonymous No.49891546]

>>49888595
>buys the top
>complains about losing money
core /biz/

[Anonymous No.49891570]

>>49888619
You guys laughed at the bobo's for years
Now look who's laughing

[Anonymous No.49891659]

>>49891531
Do you know the credit score of your borrowers?

[Anonymous No.49891750]

>>49888619
>everything collapses
>financial institutions are burning down
>all the elites have already evacuated into their billion dollar sustainable bunker systems
>literal blood in the streets
>bobo gets dragged out of his basement and beaten to death
>"a-at least my short position is worth millions..."

[Anonymous No.49892415]

>>49888595
Don't care still buying

[Anonymous No.49892667]

>>49891750
>literal blood in the streets
As if the docile goy cattle would allow that to happen. If they were going to solve the problem the only way possible they would've done it long ago. They will own nothing and they will be happy.

[Anonymous No.49893101]

>>49890828
Just survive those with overcollateralization, puts, or 1x etfs.