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/biz/ - Business & Finance

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55048726 No.55048726 [Reply] [Original]

whats in your 401k/ira/taxable brokerage accs?
for me im all S&P500 in every acc

>> No.55048775

>>55048726
wow retiring at 65 yippie!

>> No.55049052

Bogleheads are so fucking gay.
They wouldn't know a call option from a fucking return of capital.

>> No.55049305

three fund portfolio

>>55048775
that will be at 32 thank you

>> No.55049353

>>55048726
VT for me. I prefer to have international diversification. + it gives a slightly better dividend. + the lower share price means i have more contracts at my disposal for theta strategies.

>> No.55050197

>>55049052
They emit a palpable smugness.

>> No.55050233

>>55049052
biz hates sensible investment advice
it is known

>> No.55050259

>>55048726
>when you "accidentally" leave your brokerage statements out for others to see

Opps, hope you didn't see I have $2.8 million in VTSACKS

>> No.55050600

>>55050259
>$2.8M in VTSAX in 2023
>$2.9M in VTSAX in 2033

>> No.55050665

>>55050600
>a cool $100k for doing absolutely nothing
>implying

>> No.55050931

>>55049052
>>55050197

Not really I know that I'm a retard that can't pick stocks so I index out of humility.

>> No.55050986

I’m all in municipal bonds atm, no I won’t elaborate. If you have to ask why then your income level simply isn’t high enough to understand.

>> No.55051003

DCA into VYM every month save some cash and get VOO when market goes down. Slow and steady boys

>> No.55051044

>>55048726
im in growth funds, basically all tech, except for 50k usd in JEPAX which reliably buys 1% more of itself in a dividend distro on last day of the month...

>> No.55051448
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55051448

>>55048726
i have fidelity. I max out the ~20k every year in 401k, I keep most in nasdaq then move about 30% into brokeragelink split up among Asian and biotech funds.
My Roth is entirely in TQQQ. Approximately $110k all combined

>> No.55051562

>>55048726

50% global Minimum Volatility

50% global Value

>> No.55051579

>>55048726
Lel I cashed out my fidelity complete and put it all in chainlink at 6.50

>> No.55051617

do you guys know if noisegpt is an ok project? I got some and now i’m worried about selling because metamask is gay

>> No.55051668

Got most of my traditional IRA in yield bearing ETFs every month and slowly accumulating VZ, VOO and just collecting dividends until some light at the end of the tunnel reveals itself. As far as my wage cage retirement account I don’t even bother looking at it, but I do max out my matched contribution so we’ll see how it looks when the time comes.

>> No.55051746
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55051746

>>55050600
>NNOOOOOO YOU SHOULD HAVE PUT IT IN PAJEET COINS TO HAVE A 2% CHANCE OF BECOMING 20M WITH A 98% CHANCE OF LOSING EVERYTHING

>> No.55051856

>>55050665
>Accepting $10k in gains per year while inflation destroys the USD

>> No.55051964

>>55051856
Try more like >$300k on average, or >$200k inflation adjusted

>> No.55052090
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55052090

>>55048726
Have 75% VTI, 25% GBTC/ETHE in my Roth IRA. 15% of my salary goes to my 401k, and is in the most aggressive Fidelity mutual funds, with my employer matching 6% in company stock. But, as far as my personal stock portfolio, I’m heavy in AI/tech, and also the S&P ($VOO).

>> No.55052122

>>55051448
TQQQ is a terrible hold unless you’re swinging it. You do realize TQQQ is rebalanced like once a week, right? It will decay overtime if you keep holding it because it’s a leveraged ETF. You’re literally throwing your money away.

>> No.55052165

>>55052090
Respectable. FBGRX? FSCSX? Fidelity Automation/AI Fund?

>> No.55052231

>>55049052
>Nooooo!! You can't just invest in slow and steady returns!! You have to lose it all on shitcoins!!

>> No.55052392
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55052392

>>55052165
I’m not sure yet. I just had it switched over on Friday from Vanguard retirement funds after a Spiva report came out saying most retirement funds suck ass. Now Fidelity is managing it for .5% a year. It hasn’t updated yet on my account, so not sure which funds they’re gonna use.

>> No.55052559

>>55052392
Yup. People think bonds and index funds will lead them to retirement based on 15 years of QE and ZIRP. I'm glad these are the people on the other side of my trades

Fidelity does a decent job managing but I hope their plan is better than sticking you in index funds for half a percentage point

>> No.55052608
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55052608

>401k
s&p 500 index
>Roth IRA
TQQQ/TMF rebalanced by DCA and trading quarterly if necessary to maintain my ratios
>HSA
s&p again

Everything leftover goes into BTC, a portion of my gains is converted to physical gold

Short of a fucking asteroid hitting me, I'm covered in most bases

Becoming rich would be nice, but I just don't want to end up on the street

>> No.55052636
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55052636

>>55052122
>You do realize TQQQ is rebalanced like once a week, right? It will decay overtime if you keep holding it
This is a meme, the gains beat the decay and the underlying in basically every scenario

>> No.55052643

>>55052559
Interest rates are to offset inflation which is bullish for stocks. 5% interest rates when inflation is 5% is still zero rate. You would need rates to rise faster than inflation for this to be bearish, like what happened when the fed had to catch up in 2021.

And the post 08 QE never stopped lol The fed tried to roll it back starting in 2015 but had to abandon that in 2019 when the repo market failed. Now the monetary expansion is probably going to be permanent, another QE is 100x more likely instead of a reversal back to pre 08 levels. That's how fiat works, the supply will almost always increase over time.

>> No.55052679

>>55052636
The risk with TQQQ is more that these derivative based funds tend to blow up every so often, Like a period of low liquidity, high volatility could compound over a few days and devastate a long term position. Unlikely but if you're holding for years and years it becomes more and more likely. Like the short VIX funds that were "free money" before they went to zero randomly in 2018.

>> No.55052788
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55052788

>>55052679
>these derivative based funds tend to blow up every so often
That's why it's nice to do it inside an IRA, if I smell a whiff of talmudic sorcery, I sell everything wait a few days or weeks then buy back or DCA in if it still looks sketchy

>> No.55053522
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55053522

>>55048726
we are supposed to have those? My portfolio is literally 100% BTC

>> No.55053669

>>55052643
The problem becomes when Fed policy breaks down due to lagging indicators, economic retaliation, and a lack of currency tailwinds. As is the case right now, and will continue to snowball due to incentive from competition and greed

>> No.55053758

>>55048726
what happens to 401ks if the banks start failing
they're safe right?
the boomers aren't about to lose everything they worked for are they?

>> No.55054558

>>55052788
Based Gallic Wars enjoyer

>> No.55054627

>>55052122
>It will decay overtime if you keep holding it because it’s a leveraged ETF
ok it's $6000 a year oh well once it's an actual big amount i'll move it