DFD

Posted: **Tue Mar 06, 2018 9:59 pm**

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.

Posted: **Thu Mar 08, 2018 5:32 am**

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.

Posted: **Tue Mar 20, 2018 5:32 pm**

Anyone here have a 457 plan through work instead of a 401k?

Posted: **Fri Mar 23, 2018 12:34 am**

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?

Posted: **Fri Mar 23, 2018 12:21 pm**

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?

Posted: **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:

Posted: **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.

Posted: **Fri Mar 23, 2018 3:34 pm**

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.

O Canada FTMFW

Posted: **Fri Mar 23, 2018 3:57 pm**

Desertbreh wrote:
wap wrote: ↑Fri Mar 23, 2018 3:34 pm
O Canada FTMFW

Dat! First prize receives unlimited access to DFD! Post up bitchez.

Posted: **Fri Mar 23, 2018 4:17 pm**

Posted: **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?

Posted: **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

Posted: **Tue Jun 05, 2018 6:32 pm**

I'm at +1.43% YTD, don't ask me. Where's my easy 10%?

Posted: **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

Posted: **Tue Jun 05, 2018 6:41 pm**

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

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

Posted: **Tue Jun 05, 2018 6:42 pm**

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

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.

Posted: **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?

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.

Posted: **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.

Posted: **Tue Jun 05, 2018 7:07 pm**

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?

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 . 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.

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?

Posted: **Tue Jun 05, 2018 7:09 pm**

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.

Posted: **Tue Jun 05, 2018 7:11 pm**

max225 wrote: ↑Tue Jun 05, 2018 7:07 pm
D Griff wrote: ↑Tue Jun 05, 2018 6:49 pm

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 . 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.

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?

I think he meant the money in his Acorn account will be used for a house purchase...

Posted: **Tue Jun 05, 2018 7:12 pm**

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:

Posted: **Tue Jun 05, 2018 7:13 pm**

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?
I think he meant the money in his Acorn account will be used for a house purchase...

I figured they are managing his 401k?

Posted: **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.

Posted: **Tue Jun 05, 2018 7:26 pm**

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:

DFD

Do you even invest?

Re: Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Re: Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?

Do you even invest?