/biz/ - Business & Finance

>>52840995
50k in stocks and 50k cash

>>52840995
You could get a brokered CD for that sweet 3-4%. Higher risk tolerance you could go for an income fund like QYLD or JEPI and just leave it in there.

>>52840995

Oh wow, wouldn’t you know. I happen to have 200k

>>52841062
Actually skip QYLD. That looks like garbage.

>>52840995
Average return per year s&p, 10%
This year -10%
1 year and 2 year bonds give around 4.5%

>>52841062
why not blue ray?

>>52841118
>>52841092
>>52841062
>>52841031
Should have given more info. I have no rent no bills besides a $40 cell phone and I have no big purchases coming.

>>52840995

When the normies say there is going to be a recession it’s going to be the opposite

1/3 gold bars. 1/3 silver bars. 1/3 ETFs.

>>52841160
The recession should be a time to buy stocks like groceries, its basically like a discount on stocks. do yourself a favor and look up peter lynch: one up on wall street

>>52841160
>no rent
because you own a house or because you live with your parents?

>>52840995
1. Wait for the recession
2. Buy the dump
3. ???
4. Profit

>>52841325
oh man, i actually have that book in my stack along with a few others like Little Book of Common Sense investing and the intelligent investor. wew.
>>52841388
i live with my parents. im inheriting the house. why move out if i can retire early by investing 90% of my money? i don't have a gf and i don't want one either.

Learn guitar and become an alcoholic failed NEET like Bocchi.

I also have about $100k liquid cash waiting to be put in, though I have more money invested in boomer stocks/ETFs that I'm not selling.

why not crypto?
start investing im defi and self governance asap before CBDCs take over
pic related is all that you’ll need

>>52841393
>>52841718
is upper left supposed to be Truebit?

>>52841568
>im inheriting the house
lmao
https://www.agingcare.com/articles/medicaid-lookback-and-penalty-period-166116.htm

why not get back into crypto tho? Polygon (ticker: MATIC) is still criminally undervalued and it will be only a matter of time until its price reflects the value that its adding to the market

>>52840995
government bonds

>>52842124
because Crypto has no use. no one knows what they're talking about. buzzwords they read on white papers that were written by AI.

>>52841078
Kek

>>52841062
>You could get a brokered CD for that sweet 3-4%
nigger, youre better off putting into i-bonds.

>>52840995
BUY LAND YOU DUMB FUCK.
if i have to explain why, then ignore me. because youre not gonna make it.

>>52840995
at the moment it's the only thing you can be sure you'll have a moderately satisfactory result, imagine putting your money in the stock market lmao
I went back after a long time to my dext bags and it's going well, don't be afraid to take a little risk

>>52840995
At this rate out into silver and keep half in cash

>>52840995
Just stay in cash. You can get 5% interest these days in a savings account.

>>52841568
> i don't have a gf and i don't want one either
Based. 9 times out of 10 they make your life worse unless you somehow find a unicorn that compliments your life path and aligns with your views perfectly

>>52840995
>100k
>Not putting it in crypto.
You are not retiring any time soon.

Fed talk tomorrow, put it all into a 0DTE put or call (flip a coin) and either rage or retire.

>>52842389
>because Crypto has no use
you got it wrong nigga, it's got a thousand uses if you do your homework, i use Ethereum and Monero virtually everyday, even the sylo messaging app is what I use if I want to be sure my chats are safe and secure

>>52840995
Leave it in cash and DCA an index fund

>>52840995
100k in ETH would be a safe milliojn withinthe next 5 years, why would you waste that on the stock market where on average you double your capital every 1 years?

So in 5 years you will have a million due to crypto or 200k due to stocks. You do you.

>>52840995
wait until 2024

>>52840995
Hello anon, stop pretending to be retartded and come to /pmg/. Park you fiat in real monies.

100k can buy a lot of RuneScape gold.

>>52840995
The only legit move is 75K in silver bars and 25K in gold coins.
You can't even begin to fathom how much you'll thank me two years from now if you do this rn.

Not only it will make you far richer, but most importantly, you wont lose everything unlike all the tards still involved with fake digitalized IOUs of all kinds (Tbonds, shitcoins, stocks,.. it's all the same talmudic trash).

>>52845451
>Leave it in cash
Inflation is gonna eat this up!
I'd advise he buys either btc or eth, they are good bets coz they're pretty low, or maybe find another another good project like kava, sylo or Celo
i'm just planning to get into them at different entry points

>>52847069
>b-buy shitcoinz!
Misery loves company: the post.

>>52840995
This would be my conservative bet for my own portfolio if I were in your situation.

>10% Cash
>40% Treasury bills
>20% Treasury bonds
>20% Stocks
>5% Crypto (Mostly in cryptos with a m.cap > 2.5B)
>5% Gold and silver

Also you would use some of the cash to fund a business.

Silver squeeze is up next. You don't want to miss it. For more info check out /pmg/.

>>52840995
Stock market is hard to trade right now. If you don't want to learn active trading, wait for a major bottom.

>>52840995
Put everything in an index fund if you are not going to use it in the next 5 years

>>52848113
Yes! Index bubble goes boom and you lose all your monies. Listen to /biz/ to lose all you monies.

>>52842124
Polygon is indeed undervalued, some of it partnerships will eventually yield good price action. Its involvement in web3 and partnership with Ore protocol to provide crosschain wallet and NFT management is also a good move for the future.

>>52842389
>because Crypto has no use. no one knows what they're talking about. buzzwords they read on white papers that were written by AI
pretty much. doesnt mean you cant make made gainz buying shit like dogecoin tho

>>52840995
Cash is king. The CEO and co-founder of the company I worked for told us he’s expecting a Recession next year and gave hints that layoffs are coming. He even complained about spending money on corporate dinners

>>52840995
Stocks are the most risky right now. They are down some but not enough to flip Fed policy.

Typically this far into a downturn things don't hard crash but there is a lot of sideways crabbing and large U-shaped formations that can trend lower and wear people out.

>>52842389
I don't know where you're getting advice but it's probably from someone with not a lot of money. Every bottom is one of despair. It wouldn't be a bottom otherwise.

>>52845437
Sure you do
>>52849068
I made this $100k off SHIB. I'm still in it with $40K more but it fell hard so I'm holding until everything recovers. Then I'm selling off. It is was a joke investment of leftover ETH I had. Best fucking joke I ever saw.

>>52842389
Blockchain Identity tools are bridges between crypto and the real word. Easy access to blockchain tech is the answer.

>>52849493
okay now explain that in two sentences without using any sort of crypto buzzword you read from your AI generated white paper.

>>52840995
I would just buy 100,000 RLC

>>52847209
Cunt

>>52842124
>Polygon
The most overlooked one, having it is good as far as I can tell
he can also look for more to add :)
Xen/Ride could be good long-term players, good staking rewards too at the moment

>>52842130
this is cool, but the reward is tiny

>>52840995
put it all into AAVE. give yourself a 50k loan. dump that into the stock market. pay off the loan slowly.

>>52841568
Cause it's pathetic to stay home and not grow as a man
No wonder the west is dying

>>52840995
>30k to weed stocks
>down to 4K
>20k to crypto
>down to 5k
>gambled 40% of my net worth kek
Stay in cash or put it in a growth portfolio. 7% returns is better than being down 90% in 4 years fren.

>>52840995
If you want a safe place to put it in the long term, throw it into SPY or some other index fund that tracks the SMP. Very very few people are actually capable of beating the average SMP return of ~10% over the long term.

>>52853232
Just for some proof, in 20 years, assuming the annual return of approximately 10% holds true (why wouldn't it, over 2 decades?) That 100k will become $672,749.99. Obviously, some of this is "lost" from inflation. Leave it in for another 10 years after that, and you've got 1.74 million. And that's assuming zero annual contributions to this invest

>>52842124
>why not get back into crypto tho?
Hahahaha

>>52849327
You’re so lucky. I could’ve cashed out $100k from SHIB but I held all the way to the bottom. I refuse to sell until it goes back up I’m so mad at myself

>>52845548
How do you buy gold bars/silver?

>>52853582
If it's (a speculative investment) good enough to consider cashing out, cash out. Always.
You can't lose if you don't sell, but you also can't gain if you don't sell

>>52845548
>Two years from now
Who invests for such a short timeframe? You shouldn't be investing money you'll need in the next 5ish years.

>>52842389
yes but your average 25 year old senile boomers don't know that. Your grandpa reads fancy words like 'oracles', 'smart conctracts', 'NFTs' etc. and translates it all to 'invest for free MONEY'.

The value is pure, 100% speculative. But speculative value is still value; this may seem illogical, but 100% speculative value markets are going to have inherent non-speculative value due to the difference in nature of said market from their mostly non-speculative counterparts. So it's actually impossible to get a 100% speculative value market, but it is a "100%" speculative value market. Think of it as like a casino with no house... this isn't actually accurate but that's how the investor sees it.

The value of speculative markets tend to dip during a recession or market crash, but this actually gives you a chance to gauge which coins are going to rise later. The coins which crash the softest are going to be the ones with the most holders, meaning more market activity after a recession.

>>52853961
This is some serious cope

Bonds are way up right now. Most of my stocks are down right now meaning if I bought them now I'd have more of them. They are all dividend stocks, which the bond rate is currently above.

>>52840995
just put it into the the doge vault
www.vdcsk.site

>>52852004
Well. I have some NEAR protocol. Because they have human readable addresses. Also, in south America they have partnerships with some grocery chain. It is really the best web3 network. I expect it to go far. But I would imagine stuff like that or some kind of social media block chain for web3 like anyside.... but anyside is kinda lame lol