/biz/ - Business & Finance

>>18711717
Yes, roth IRAs don't moon dummy

>>18711770
uh thanks for the non-answer retard

guys i know this isn't a scamcoin thread, but isn't there anyone on /biz/ with advice here?

>>18712624
What is your goal? long term? short term? Do you really think the market keeps going up after a 12 year bull run?

>>18712841
25-30 years

>>18712917
Okay, and what is your risk tolerance / do you want to actively have a role in managing it?

Stocks are dead

>>18711717
The reason why I am asking this is mainly because you need to think about how old you are and what your investment is and where you want to be in 30 years. If you are a young guy you have the time to make riskier investments that "moon" and then you can move that over into a safer investment like a vanguard with a roth IRA. 401k's are great if your employer matches a %, but other then that there are huge fees to withdraw unless you are buying a house. HAS is okay, you get to participate in it more but honestly what is your dream? Do you want to be a wall streets bet legend on robinhood? Since when has anyone been able to trade stocks ever in the history of America from a mobile phone? I don't know about you, but if you have a large sum of cash and just want to watch it grow a few % a year, yes buy a big chunk into vanguard when you think the floor is in and wait 25-30 years for some gains and then retire. All of these things depend on your risk tolerance and investment strategies. Do you even want to manage this yourself?

>>18711717
Also who says this large index funds are going to go up for the next 25-30 years, you could watch these funds bleed for 5-10 years before they start to reach new ATH's.

>>18711717

Ye, that 0.4% expense ratio is killer. Compared to the 0.02% expense ratio of bonds n a viiix holding.

You are missing something - you're retarded.

>>18713005
mid-high risk; i wouldn't mind a quarterly rebalance, but no more than that

>>18713156
i'm fully funding an IRA, HSA, and 401k right now, in addition to play money on Robinhood

>>18713265
>.0.4% expense ratio
mine is .05....retard

>>18713374

> being happy over 0.05

Yikes

>>18711717
If you have incentives then yeah, $5.5k (or is it 6?) Is peanuts and there's no reason not to set it and just manage it every so often. Right now I have mine in gov funny funds that have guaranteed returns to ride out this recession, but maybe a month or two from now I'll go back to stocks and international funds or something.
The only reason not to is if you're poor and stupid, but even then you should because you get large safe returns with minimal investments and attention. Plus IRA loans exist.

If you're young:

Myirainvestment.com

>>18711717

I thought rebalancing with a small bonds allocation was better? But yeah what you’re saying is a solid strategy and you’ll actidd as ply make money unlike 99% of the retards posting nooooooo memes

>i haven't found any mix of stocks+bonds+rebalancing that beat it
>doing backtests
that is because backtesting never works for long term returns going forward; you can cherry-pick all kinds of time frames in which your portfolio under or overperformed
having a small bond allocation results in a massive reduction in volatility at only a small cost in return, and going all in on a single asset class is just asking for trouble
going all in on the top 500 companies isn't much different than going all in on the Nifty Fifty was

>>18711770
Dumb moonboy

VTI VXUS BND BNDX

>>18715609
bonds blow dude honestly if your not getting leveraged bonds its just a total waste of your portfolio allocation

stocks over time ALWAYS win, its just if you can handle the volatility of a 50% drop every 20 years before everything moons again

>>18715831
No reason to be in bonds before at least your 30s, 40 is where I'll probably start adding a bond position to my portfolio. 20 percent bonds probably by the time I'm 50, 2 percent a year increase in allocation until I'm 60. Maybe higher.

>>18715831
chasing performance is a game for poorfags, if you can't spare a 15% allocation to bonds you are ngmi