/biz/ - Business & Finance

[Anonymous No.18907986]

ffs I CAN'T MAKE MONEY
should i just buy an S&P 500 index fund?

[Anonymous No.18908329]

>>18907986
I’m going through this exact thing. There should be an ETF/Mutual fund general.

[Anonymous No.18909427]

>>18907986
Just buy and hold hex you normie retard

[Anonymous No.18909748]

>>18907986
Diversify, an index helps. But why not multiple index's of different cap sizes? And why all in on one method, Make a the index's a percentage of your portfolio, with your own choices as another chunk, and a something that follows a leader as another. Then you are hedged AND can objectively evaluate how your trading/investmetns compare to the average. Also make sure the indexes have equal allocation, data shows they significantly outperorm market cap and market cap square root allocations.

[Anonymous No.18909788]

Short

[Anonymous No.18909823]

>>18907986
75% goes to gambling on crypto and options
25% in my IRA with employee match

[Anonymous No.18909867]

>>18907986
>>18908329
Buying a low fee total market ETF index is all you need. Maybe do some research on tracking error.
Not sure why there needs to be a general for simple advice.
If you are feeling flashy, allocate 10% of your portfolio to gold

[Anonymous No.18909879]

>>18907986
>>18908329
>>18909427
>>18909748
>>18909788
>>18909823
>>18909867
sneed

[Anonymous No.18909921]

>>18907986
Buy UPRO and TQQQ. If the market goes back before the crash level, that's an easy 100% gains. Buy nails. If home builders goes back to low levels of last year, that's easy 400% gains. Buy twitter, fb options that expire in 2 years. That's easy 400% to 1000% gains by expiry. There is no reason go buy stocks. Just buy leverage ETFs or Options.

[Anonymous No.18909978]

>>18909867
Spainfag here. Should I buy Vanguard Global Index Fund Investor Accumulation and the equivalent for Fixed Income (the Global Bonds one) at 80/20 rate and forget about it?

What if Vanguard goes bankrupt?

Also, isn't bonds fucked due retarded interest rates? why not go 100% on the Index and forget about bonds?

Also, not worth it adding REIT to your portfolio?

And why do some people not buy the Global Index and instead just buy it splited in Asia/USA/Europe?

[Anonymous No.18910033]

>>18907986
Yes dipshit. SPY or bust.

[Anonymous No.18910084]

>>18909921
Do not do what this dipshit is saying. Jesus fuck.

[Anonymous No.18910330]

>>18910084
>advising the virgin index funds
>not buying the chad leveraged etfs

[Anonymous No.18910354]

>>18910084

[Anonymous No.18910359]

>>18909978

The US has historically outpaced global performance by a lot. I would stick to the US indicies. 10-20% of your portfolio in bonds is ok. Vanguard is a gigantic, they aren't going bankrupt anytime soon.

REITs are a meme imo. You will get exposure to these REITs in a broad index fund. Global index is good. However personally I would never put a dime directly in China.

Also, you will have to do research on the most tax efficient accounts in your country to hold these investments

[Anonymous No.18910371]

>>18910084
>options r bad

[Anonymous No.18910375]

>>18907986
buy bitcoin faggot.

[Anonymous No.18910389]

>>18910330
I own ITOT, is this good for a brokerage account?

[Anonymous No.18910477]

>>18910389
Is good if you want to be cute little virgin trap, sure it's a good.
If you want to be a big throbbing veiny dick chad, grab options/leveraged ETFs.

[Anonymous No.18910596]

>>18910359
The Vanguard global index fund has mostly US exposure already. So im not going to risk buying SP500.

>Also, you will have to do research on the most tax efficient accounts in your country to hold these investments

There is an account called myinvestor. This bank offers Vanguard directly. However, im concerned if this is viable longterm. They dont make any money from this, so they will have to survive from other services.

[Anonymous No.18910724]

>>18909867
Aside from the fact Indexes allow you to buy partial shares, what is the advantage of an ETF over Index.

For instance, Fidelity Total Market Index has 0.015% expense ratio and some total market ETF shilled here has 0.015% expense ratio, whats the difference for me the dumb investor?

[Anonymous No.18910770]

>>18910724
>>18910724
ETFs trade in real time like a stock and index funds (mutual funds) trade at the end of the day

[Anonymous No.18911013]

>>18910770
No shit. Thanks Fren. I guess this explains why all my mutual funds only update at the end of day and I'm always a day behind.

[Anonymous No.18911047]

>>18910596
Your concern it sounds like, is the viability of your bank? In that case, you could just open an online brokerage account. You will have to google Euro online stock brokers. Maybe ask your bank what safeguards they have in place for your money if they go bankrupt. Some countries have Federal deposit guarantees at banks
You could open an account directly with Vanguard, however i am pretty sure you can't buy ETF's through them. Just mutual funds.

[Anonymous No.18911057]

>>18907986
>ffs I CAN'T MAKE MONEY
explain your sources of income and investment strategy in detail

[Anonymous No.18911164]

What should I be investing my brokerage account in? This is an extra savings (fun money) account that my supplemental income from my side hustle goes into.

[Anonymous No.18911259]

Income 5.5 K

Expenses (including rent): 1.5k
Cash at bank: 33k
BTC: 1.2346 (around 11,4 K)
ETFs: 15k (70% VOO, 30% High dividends ETFs)

> not gonna make it right?

[Anonymous No.18911282]

Lmao the Index fund/Mutual fund market is so heavily inflated, boomers and zoomers thinking its easy gains with no consequences are going to get fucked so hard

[Anonymous No.18911303]

buy $ESH, if you want to make money

[Anonymous No.18911342]

>>18911282
go away burry

[Anonymous No.18911381]

>>18907986
You should have bought an index fund in march. Now would be risky. Despite the memes, the fed has pulled bag on pumping, a lot of businesses are still struggling, and this next quarter we are expected to lose 30% of our gdp. We are in a bear market, and there is no garuntee that an index fund will go up. Stocks are still overvalued, and logically they should go down. The only thing keeping the market up at this moment, are retail investors speculating on a recovery.

[Anonymous No.18911663]

>>18911342
Index funds are pouring too much money into the stock market and artificially inflating prices and causing them to be overvalued, and causing stocks not in index funds to be undervalued.

Index funds make money encouraging more to put money in index funds which causes the price to continually go up in an infinite loop because boomeers keep putting money into it.

Now what do you think will happen if everyone sells their ETFs at the same time? And what will happen to small caps who aren't included in the index funds? Hmmmmm

in reality there would be no buyers for the small cap stocks causing a severe crash in the price and devastate the entire market

[Anonymous No.18911760]

>>18911663
So what do we buy then besides memecoins and real estate and gold?

[Anonymous No.18912830]

>>18911663
>boomers keep putting money into it.
boomers aren't. They are mostly in actively managed mutual funds
>what do you think will happen if everyone sells their ETFs at the same time
The same thing that happens when all individual stockholders sell? Although, individual stockholders would panic a lot quicker than an index fund holder. Index investing works best in tandem with a long term time horizon. The majority proponents of index funding recommend this.
>small caps
I agree. An index investor should buy an index that encapsulates the entire stock market, this includes small, mid, and large cap stocks

Stock picking is important, short sellers are important, hell even bond investors are important. The market is still dominated by active managers/stock pickers.

Explains it better
https://www.youtube.com/watch?v=Wv0pJh8mFk0

[Anonymous No.18913158]

>>18907986
>ffs I CAN'T MAKE MONEY
what have you unironically tried so far?

[Anonymous No.18913477]

Fk stocks, buy XRP and 0xMR

[Anonymous No.18913619]

>>18910375
Yes goy, buy the memecoin while it's high

[Anonymous No.18913651]

>>18911259
I have about $800 total, mostly divided in these ETFs, and I have about $50 in IAU - gold etf which I’ll be adding too. R8/H8?

[Anonymous No.18914111]

>>18913158
options
i'm building a model tho so maybe that will help

[Anonymous No.18914398]

>>18907986
Yes, FCNTX (or it's retirement version FCNKX), Fidelity Contrafund. It's well managed and steadily increases in value. Just let a pro do it for you.

[Anonymous No.18915165]

>>18911047
If the bank goes bankrupt i shouldnt lose my investment in Vanguard.. i just would have trouble for a while getting control of my shares

the spanish government would do something about it, i dont know how it works but i know i dont lose the shares, it would just be annoying

and there is no way to invest in vanguard in spain directly other than myinvestor bank, then there's stuff like indexa capital but fees are higher

[Anonymous No.18915197]

>>18913619
what other thing is there to get rich?

i have 70k€, if i go all in and it goes to 100k, i have 700k€

its the only realistic bet

with everything else i will be too old to care and kms

[Anonymous No.18915213]

https://www.youtube.com/watch?v=6rtYfx1-FS4
kek

[Anonymous No.18916285]

>>18907986
There are some oil funds like USOI that pay a high yield dividend every month. This month its 46cents on 5.70 a share so if you dropped in the 150K you would collect over 12K this month just for holding. Doesn't get much more passive than that.

[Anonymous No.18916321]

>>18909788
im taller than you i guarantee it

[Anonymous No.18916920]

>>18907986

All world high div.Yield etf all the way baby.
ISIN: IE00B8GKDB10

[Anonymous No.18916965]

>>18916920
Dont listen to this retard. Just invest in s&p

[Anonymous No.18917003]

>>18916965

With the S&P your only betting on america which is right ahead of a depression.
With an all world diversified ETF 38% USA 8,5% Japan / and Britain you cant do anything wrong.
Also look what stonks that very etf buys before calling others retard, retardmutt

[Anonymous No.18917028]

You'd have to be crazy to buy stocks right now. Every major company is over a hundred billion in debt and the fed hasn't turned off the money printer.

Covid only have you a taste of how quickly it's going to crash. Companies like Tesla, FB, Apple, Boeing, etc,are going down at least 75%. Berkshire is going to lose 90% value over ten years after the Boomer passes away

[Anonymous No.18917116]

>>18917028

This is the most retarded thing i read so far in this board.
Its okay anon, heres your schizopills and now go to bed take care.
Srsly, why it should crash right now when nations are lowering down lockdown and the market is basically flooded with cheap oil waiting for Globalisation to start again?

[Anonymous No.18917142]

>>18910770
ETFs are for day traders. Index funds are for buy and holders.

[Anonymous No.18917144]

>>18917003
Look at this 10 year chart it hasn't had any growth. Now go look at a 10 year of the s&p

[Anonymous No.18917164]

>>18917003

America is the only country with a growing economy. Both Buffet and Bogle have always said foreign investing is a money pit

[Anonymous No.18917226]

>>18915165
That sounds correct. Technically you are buying fund units, not shares, but the same principle applies. You are not investing in Vanguard, they just manage your investments, you still own the underlying securities if they go bust. To be honest, it's not worth worrying about, Vanguard's business model makes bankruptcy almost impossible.

[Anonymous No.18917240]

>>18911057
Income: indoor rancher and shrimp broker
Investment strategy: yolo options on earnings against the flow of sentiment

[Anonymous No.18917261]

>>18917144

Its not meant to grow in terms of stock price. Its meant to deliver income thru dividends , its the same with shell. Decades of sidewards moving but constant dividend paying until now ofc.

>>18917164

Im not trying to say dont invest in USA but diversify , my portfolio is around 50% USA ..

[Anonymous No.18917459]

>>18917028
invest or loose everything to hyper inflation

[Anonymous No.18917506]

>>18917261
What's to stop me from going all in on pic related for 42% div rate?

[Anonymous No.18917585]

I just wish there was an options general thread. Stocks take way too long for me to lose it all.

[Anonymous No.18917621]

>>18917585
Plenty of people in /smg/ options trade.

[Anonymous No.18917644]

>>18907986
It's a good start. As you research single stock investing you can buy some of those. Learn how to evaluate stocks and ETFs. SPY and VOO are great litmus tests for value.

[Anonymous No.18917659]

>>18907986
>didn't scalp SQQQ in late march early april
>didn't buy back into S&P when the market clearly started turning around
idk what you're doing anon

[Anonymous No.18917683]

>>18917506
they can't afford to pay their dividend, which is why the stock price is where it's at. the dividend yield captured in the brokers data is old and stale information

[Anonymous No.18917710]

>>18910724
>>18910770
>>18917142
These but Vanguard index funds usually require an initial investment (e.g. $3k, $10K) but if you buy fractional shares of the ETF versions of their index funds you can backdoor invest in them without the initial investment.

[Anonymous No.18917732]

>>18907986
Unironically yes.

[Anonymous No.18917749]

>>18907986
Better, get a leveraged fund so it returns better than the index.

>>18911760
Bullets.

>>18915165
Look, the trade off to investing is risk. Instead of being a wagie, you're backing companies to work for you & agreeing to hold the bag of it all goes down. But as we see, governments will prop this shit up at the expense of wagies, so fuck it, there's basically no risk. I wouldn't overthink it that much, if a fund like Vanguard went down due to systemic bank failures it'd basically be SHTF time anyway.

[Anonymous No.18917767]

>>18914398

[Anonymous No.18918081]

>>18908329
Mutual funds are an all but settled topic. Gone are the days in which you are basically buying a sports team with a hot manager. Passively managed, low expense, low turnover index funds are the way to go. You can pick large, medium, and small cap, growth, value, or blend, and that's all you really need for strategy.

ETFs though can drill deeper and thus would be worth a general.

[Anonymous No.18919369]

>>18918081
If I buy Vanguard Globla Index Fund why should I bother buying small caps and emerging markets? is it proven to improve your overall performance?

[Anonymous No.18919507]

>>18919369
small caps outperform
equal weighted outperforms cap weighted

Thanks to corona-chan you should invest into retail, thats the best way to put money in, if you don't want to get anything back

[Anonymous No.18919546]

>>18917749
this is a great way to go broke fast.

[Anonymous No.18920729]

>>18907986
>should i just buy an S&P 500 index fund?
Yes, meme investing is just that, a meme. It is gambling if you have too much money and too much free time. If you actually want to make money, take what you can afford to put away and put it in a index fund.

[Anonymous No.18920770]

>>18908329
please. I am tired of all the shitcoin threads.

[Anonymous No.18920870]

>>18920770
I'll make one. I mean there's literally a penny stock general lmao
What links should I include?