Do you even invest?

Off-topic? You mean on-topic!
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Tar
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max225 wrote:
Tarspin wrote: Tue Mar 06, 2018 9:44 pm Gg.nyse

Give it 3-6 mths then drop it like a bad habit
Looked at the graphs ... looks like it’s been going straight down for the last 5 years :(
Agreed.. so how many times has it hit this bottom and what has it started doing since trump approved the latest (4.4T?) budget extension?

Like I said, no expert here just an observation that it has nowhere but up to go.

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I put about 2.5k into robinhood for either a great investment or :rage:.

So far in the past 3 months my portfolio is up 17%. Granted this is mainly supported by Amazon 40% gains. I am not diversified well at all.

I think I will stay with my current shares and wait until I have more knowledge to spend any more money.
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Anyone here have a 457 plan through work instead of a 401k?
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Tarspin wrote: Tue Feb 27, 2018 11:25 pm
Desertbreh wrote:
It's way better.
Pop quiz, who knows what TD stands for?
Troy Dorito?
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D Griff wrote: Fri Mar 23, 2018 12:34 am
Tarspin wrote: Tue Feb 27, 2018 11:25 pm Pop quiz, who knows what TD stands for?
Troy Dorito?
:notbad:
:wap: Where are these mangos?
Detroit wrote: Fri Apr 16, 2021 1:19 pm I don't understand anything anymore.
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TD Ameritrade is a brokerage firm based in Omaha, Nebraska. The letters TD are derived from Toronto-Dominion Bank, the largest shareholder.

:notbad:
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: Thu Feb 09, 2023 3:21 pm Earn it and burn it, Val.
max225 wrote: Mon May 01, 2023 5:35 pm Yes it's a cool car. But prepare the lube/sawdust.
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wap
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Desertbreh wrote: Fri Mar 23, 2018 12:51 pm TD Ameritrade is a brokerage firm based in Omaha, Nebraska. The letters TD are derived from Toronto-Dominion Bank, the largest shareholder.

:notbad:
:themoreyouknow:
:wap: Where are these mangos?
Detroit wrote: Fri Apr 16, 2021 1:19 pm I don't understand anything anymore.
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wap wrote: Fri Mar 23, 2018 3:34 pm
Desertbreh wrote: Fri Mar 23, 2018 12:51 pm TD Ameritrade is a brokerage firm based in Omaha, Nebraska. The letters TD are derived from Toronto-Dominion Bank, the largest shareholder.

:notbad:
:themoreyouknow:
O Canada FTMFW
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: Thu Feb 09, 2023 3:21 pm Earn it and burn it, Val.
max225 wrote: Mon May 01, 2023 5:35 pm Yes it's a cool car. But prepare the lube/sawdust.
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Desertbreh wrote:
wap wrote: Fri Mar 23, 2018 3:34 pm :themoreyouknow:
O Canada FTMFW
Dat! First prize receives unlimited access to DFD! Post up bitchez.
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:doomed:
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Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
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max225 wrote: Tue Jun 05, 2018 6:08 pm Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
Houses :bruh:
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I'm at +1.43% YTD, don't ask me. Where's my easy 10%?
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max225 wrote: Tue Jun 05, 2018 6:08 pm Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
Bonds :bruh:
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: Thu Feb 09, 2023 3:21 pm Earn it and burn it, Val.
max225 wrote: Mon May 01, 2023 5:35 pm Yes it's a cool car. But prepare the lube/sawdust.
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Desertbreh wrote: Tue Jun 05, 2018 6:35 pm
max225 wrote: Tue Jun 05, 2018 6:08 pm Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
Bonds :bruh:
What's the yield? Most I found is like 2%... and it starts to encroach 10 year terms etc... I am ok with 1-2
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SAWCE wrote: Tue Jun 05, 2018 6:12 pm
max225 wrote: Tue Jun 05, 2018 6:08 pm Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
Houses :bruh:
That's 300k down in cash + 25k a year in prop taxes... + 5% interest at this time. I don't think it makes sense anymore.
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max225 wrote: Tue Jun 05, 2018 6:08 pm Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
:word:

I wish I knew. I have a lot (for me) in a 401k which will stay there, this is most of my net worth. As far as my cash goes, I have most of my money in my Acorns investing account which is 80% stocks (basically a fund divided between emerging companies, large companies, etc). I've done OK with this, 4.3% gains in the past year... but I'm fearful of an impending :nuke: . This money is really savings for a home purchase. So it's risky to leave it there, if house prices drop, my money will along with them. The time when I'd actually like to buy a home is likely 2021 or so.

:notsure: what's best to do. I have the rest of my money (that isn't retirement) in a Discover savings account at 1.6% which is OK for an emergency fund but I don't want tens of thousands in there basically doing nothing.
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Personally, I feel like today is an awful time to buy property as an investment. Interest rates are up while prices are still up, things seem a bit rocky, a dip must be coming.
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D Griff wrote: Tue Jun 05, 2018 6:49 pm
max225 wrote: Tue Jun 05, 2018 6:08 pm Bringing this back... I have a bit of an issue...
Inflation is rampant and sitting on cash sucks, since we're basically losing 5-7% a year...

I am really heavily invested in the market... 85-90% of my money is either in stocks/401ks... is there anything else to invest in? Anything relatively safe that yields 5% a year?
CDs are still shit...
Savings are garbage as well...

Any other ideas?
:word:

I wish I knew. I have a lot (for me) in a 401k which will stay there, this is most of my net worth. As far as my cash goes, I have most of my money in my Acorns investing account which is 80% stocks (basically a fund divided between emerging companies, large companies, etc). I've done OK with this, 4.3% gains in the past year... but I'm fearful of an impending :nuke: . This money is really savings for a home purchase. So it's risky to leave it there, if house prices drop, my money will along with them. The time when I'd actually like to buy a home is likely 2021 or so.

:notsure: what's best to do. I have the rest of my money (that isn't retirement) in a Discover savings account at 1.6% which is OK for an emergency fund but I don't want tens of thousands in there basically doing nothing.
Wait you're using 401k as a "savings account" for a future home purchase? :oops:
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D Griff wrote: Tue Jun 05, 2018 6:50 pm Personally, I feel like today is an awful time to buy property as an investment. Interest rates are up while prices are still up, things seem a bit rocky, a dip must be coming.
As long as you can get a renter that covers 80-100% of your mortage+expenses you're fine but most markets don't have that... usually you're 2x ass deep in the mortgage...

Out here it is wild since ppl do it anyways as home prices go up 10% a year easily, and no other place will lend you a million dollars at sub 5%... so you're minting money... but you also have to compete with ppl putting in all cash overs on 7 figure properties. Because... CHINA MONEY.
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max225 wrote: Tue Jun 05, 2018 7:07 pm
D Griff wrote: Tue Jun 05, 2018 6:49 pm

:word:

I wish I knew. I have a lot (for me) in a 401k which will stay there, this is most of my net worth. As far as my cash goes, I have most of my money in my Acorns investing account which is 80% stocks (basically a fund divided between emerging companies, large companies, etc). I've done OK with this, 4.3% gains in the past year... but I'm fearful of an impending :nuke: . This money is really savings for a home purchase. So it's risky to leave it there, if house prices drop, my money will along with them. The time when I'd actually like to buy a home is likely 2021 or so.

:notsure: what's best to do. I have the rest of my money (that isn't retirement) in a Discover savings account at 1.6% which is OK for an emergency fund but I don't want tens of thousands in there basically doing nothing.
Wait you're using 401k as a "savings account" for a future home purchase? :oops:
I think he meant the money in his Acorn account will be used for a house purchase...
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https://www.marcus.com/us/en/savings/high-yield-savings

This is the only savings account that is worth a damn. 1.7% APY marcus run by your friendly goldman sacks executives.

https://www.marcus.com/us/en/savings/high-yield-cds
12 month yield of 2.2% here... not even covering inflation. :disgust:
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SAWCE wrote: Tue Jun 05, 2018 7:11 pm
max225 wrote: Tue Jun 05, 2018 7:07 pm
Wait you're using 401k as a "savings account" for a future home purchase? :oops:
I think he meant the money in his Acorn account will be used for a house purchase...
I figured they are managing his 401k?
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I've got my cash hoard in an ally savings account. About $40k, but I want to be able to access it at a moment's notice if I need. Ally pays almost 1.5% these days. Anything else required time commitment.
Desertbreh wrote: Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
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Detroit wrote: Tue Jun 05, 2018 7:14 pm I've got my cash hoard in an ally savings account. About $40k, but I want to be able to access it at a moment's notice if I need. Ally pays almost 1.5% these days. Anything else required time commitment.
https://www.ally.com/bank/online-saving ... I8QAvD_BwE

Oh interesting... they are indeed at 1.6 :notbad:
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