/cig/ Conservative Investment General

[Anonymous No.26357950]

No YOLO allowed edition.

Invest like a gen-x. Find safe investments that still have decent return. Discuss safe investments that still have decent return. Outperforming the market is success, even if it's just by 3%. Sleep well at night.

[Anonymous No.26357998]

I'm doing an all ARKK / ARKG / ARKQ / ARKW / ARKX / MOON unleveraged portfolio. I'm still worried that any day will be the biden crash, but at least I won't lose everything.

[Anonymous No.26358015]

90% of my money is in a NASDAQ-100 ETF
5% is in Bitcoin
5% is in cash
I'm only 21 yo but I invest like a boomer

[Anonymous No.26358134]

>>26358015
>90% of my money is in a NASDAQ-100 ETF
>5% is in Bitcoin
>5% is in cash
>I'm only 21 yo but I invest like a boomer
Proud of my boy.

QQQJ?

[Anonymous No.26358234]

Might I suggest NEE?
>nice projected growth
>nice, safe dividend payed by being a large conventional utility
>owns worlds largest renewable energy company

[Anonymous No.26358259]

>>26358234
>Might I suggest NEE?
Might be good, Biden is gonna try to kill gas I imagine or at least face pressure to.

[Anonymous No.26358316]

>>26358259
NEE can survive any political climate. Plans are in motion to use wasted solar energy to convert water to hydrogen, and then convert natural gas plants to hydrogen burning plants.

[Anonymous No.26358480]

>>26357950
Nice that there is a SPACless thread going on. I hate SPACs

[Anonymous No.26358731]

comfy

[Anonymous No.26358799]

>tfw just put 1K/month in index funds
As long as number go up I'm happy

[Anonymous No.26358824]

>2 rental properties
>FTSE World index fund

[Anonymous No.26358927]

Lending BUSD on binance for a comfy 6% apy, coins are safu

[Anonymous No.26358961]

>>26357998
Mommy Cathie will guide you to her bosom of prosperity. Gmi.

[Anonymous No.26359145]

>>26358731
>comfy
*sip*
Damn buddy, that is some comfiness. Here, have this hot babe.

[Anonymous No.26359330]

It's so good bros...it's just so damn good to be 23% in the green

[Quasar !!7McZD6mb6Mp No.26359432]

I'm not bullish on anything. I sold everything and bought VXX calls that expire today. There is no reason not to rug pull. We got a geriatric president, some half nigger half street shitter cunt who's going to take his place, and your energy independence, your bill of rights, your thirty thousand dow jones industrial average. you can kiss it all good bye. Fuck Joe Biden, and Fuck the progressives and liberals that put him in power. Amen, Awomen, and A.x-men.

[Anonymous No.26359481]

>>26359432
>bought VXX calls that expire today
>calls that expire today
Get out.

[Anonymous No.26359509]

Anyone else really like QYLD? Thinking about adding it to my Roth IRA for that sweet monthly compounding. Also thoughts on operating vending machines?

[Anonymous No.26359662]

>>26359432
>calls
Look, I'm sick of coons too and Biden will probably bomb but that's no reason to use the "c" word in this thread.

[Anonymous No.26360057]

80% real estate
10% index fund (equal stocks / bonds)
5% cash
5% crypto

[Anonymous No.26360090]

>>26360057
Real estate? Now that's boomernomics if I have ever seen that irl

[Anonymous No.26360160]

>>26358015
you should probably diversify into comodities a bit and dedicate maybe 5% of your portfolio to PMs, considering the brrrrrrrrr that goes on currently

[Anonymous No.26360319]

>>26357950
End of last year:
Completely sold Tesla, Facebook
Cashed out of Bitcoin and into Gold, Silver, Monero and Fiat
Paid off debt and invested in education
Some stonks left - mainly energy and healthcare. Dividends are everything.

[Anonymous No.26360336]

>>26357950
>Conservative
Invest in a gun with a single bullet.

[Anonymous No.26360399]

>>26360336
If i had a child that were this retarded, id unironically murder it

[Quasar !!7McZD6mb6Mp No.26360507]

>>26359481
>>26359662
I'm sorry, you picked the wrong day to make a thread on conservative investing. If you hit the mega-ball and had to invest it, the conservative thing to do would be to only put in 2.5% of what you plan on investing into the dow 30 components. Spread the entire investment out over the next 50 months, this way you'll be able to average out and not get kill. If your plan was to retire in december, move into fixxed investment vehicles.

[Anonymous No.26360941]

>>26358134
>QQQJ?
idk what that means desu
my ETF is from Lyxor
>>26360160
what is PM? sry for the newb question

[Anonymous No.26361171]

>>26360941
Precious Metals
silver gold platinum etc

[Anonymous No.26361525]

Every day I wonder if this is the day Biden crashes the global economy. Every day I am protected by boomerness.

[Anonymous No.26362314]

*sip*

[Anonymous No.26362763]

>>26358234
I've got a large percentage of my portfolio in NEE, I think it's sound as anything with a great track record - going into what will really be the green energy decade

[Anonymous No.26362909]

If you have a decent income, and live in a midwestern or southeastern city with a low cost of living and growing market, your road to riches is paved with rental properties. Thank me later..

Imagine, an investment that allows you to leverage $100k+ in loans at 2-3% interest, while having the residents pay for the entirety of the payment and then some, while capturing appreciation of 4-10% per annum as capital flees the exorbitant costs of the coasts.

[Anonymous No.26363197]

>>26362763
Me too. I found them by googling my electric company. Hit the jackpot

[Anonymous No.26363398]

Once I make like $500,000 in crypto, what's the absolute safest thing I could invest it in while making enough money off dividends?

[Anonymous No.26363427]

>>26362909
This is true.
t. Southeastern Landlord getting rich on rentcucks

[Anonymous No.26363591]

>>26363398
QYLD

[Anonymous No.26364032]

>>26363591
>QYLD
Is that mostly dividends gains?

[Anonymous No.26364524]

>>26359145
>negative ass

[Anonymous No.26364611]

>>26363427

I feel like we broke the game. Still trying to figure out what the catch is. There's some work involved but it's not that major considering the return.

[Anonymous No.26364673]

This is fucking hilarious.

[Anonymous No.26364692]

>>26364032
Yep, so you’re DRIP compounds monthly.

[Anonymous No.26364724]

>>26358015
Based and qqq pilled

[Anonymous No.26364964]

>>26357998
>>26359145
What a hellish worldmour parents must have lived in, where girls with a nice butt were humiliated for being "fat" while they adored these pancake machines. Disgusting. I'm glad nowadays we have a bigger selection of butts.

[Anonymous No.26365000]

>>26363591
Fucking retarded, almost 100% of your gains come from dividends, there is NO growth. That means almost every single cent of gains you get is taxed four times a year. Just invest in real dividend bluechips, QYLD is a savings account for holding cash

[Anonymous No.26365250]

>>26357950
Based thread

After I max the traditional wealth paths

>roth 401
>roth ira
>6 months expenses
>do have a mortgage

Then I will scum around and maybe do more high risk plays. I think this board spergs crypto because it's their only shot to make it

[Anonymous No.26365339]

>>26365250
Saving 6 months expenses in cash is very stupid in this climate with the dollar dying and equities roaring, unless your life is more high risk than normal

[Anonymous No.26365425]

>>26365339
Doesn't a barbell strategy facilitate that though?

[Anonymous No.26365433]

>>26357950
Good General. What do anons recommend to get into for a decent roi in the next few months (holding long term)? I have ~$15k I need to invest... should I wait for a dip and dump into s&p/nasdaq etfs? Buy a little at a time?

[Anonymous No.26365495]

>>26365000
Checked and on top of this... just sell actual covered calls, like nigga, 10%? you can make 50% off the right tickers.

[Anonymous No.26365505]

Looks like a hot time to buy into ko here fellas bring that cost basis down.

[Anonymous No.26365521]

>>26365433

I think all markets are inflated and it appears nothing is "safe" right now. When in doubt you just dump it all into SPY/VOO and hope you don't get rug-pulled while you try to figure out your next move.

My savings account fund is AGG, which is just a mixed bond fund that performs a lot better than a meme 0.2% savings account.

[Anonymous No.26365636]

>>26365521
>nothing is safe
>also dollar is inflating so invest it in something
I don't get how we can be in a bubble but simultaneously the dollar is destined to inflate so you should invest in something.

[Anonymous No.26365696]

IBM cheapies today lads
Luv me dividend portfolio simple as

[Anonymous No.26365703]

>>26365433
How about emerging market foreign currency bond funds like PCY or EMB? They get you 4% yields, liquid, and are less volatile than equities. Actually might appreciate as institutions can't really invest in western bonds.

[Anonymous No.26365728]

19.5k/yr traditional 401k
7.2k/yr HSA
6k/yr Roth IRA
80% SP500, 20% semiconductors/tech index funds

This probably isn’t very conservative, but I’m now planning on investing my leftover money (20k/yr) into chain link rather than index funds. I think it’s a good balance though.

[Anonymous No.26365815]

>>26365521
>I think all markets are inflated and it appears nothing is "safe" right now.
This is how I feel too but want to do something with it to combat inflation. Was planning to dump into spy and maybe qqq... hoping for a nice dip in Feb-Mar. Will check out agg.

[Anonymous No.26365830]

>>26365636

The dollar has inflated it would seem, looking at houses and cars and food. And the stock market is roaring despite an underlying economic recession. I'm not claiming omnipotence I'm just saying is there really anything you could go and call safe right now?

I'm just going by what was asked, personally you shouldn't ever try to time anything. Just keep buying in things you believe in, invest and forget, DCA etc. Don't keep too much in cash, that's the only golden rule.

[Anonymous No.26365874]

>>26365830
I'm doing barbell with high risk option trading on one end and cash in the other. If black swan happens in the market then cash should be unaffected.

[Anonymous No.26365880]

>>26365703
meh I don't like investing in things I don't really know anything about and don't want to research all that

[Anonymous No.26365919]

>>26362909
But you can't just keep getting loans forever right?

[Anonymous No.26365950]

Keystone Pipeline was stopped by President Joe Biden. Foreign oil Reliance is back. Time to invest in foreign oil and tankers. Sasol SSL and Scorpio Tankers STNG are guaranteed at LEAST a double in the next year or so.

STNG president is buying long term calls by the truckload. Be like him.

[Anonymous No.26366024]

>>26365919

No, they stop letting you (as a personal investor) get mortgages around ~5 houses. At that point your income stream should be enough to start buying houses outright, if you played your cards right. If not, I mean, 5 rental properties is still solid if they're multiplexes (like duplexes), great added income and investment. I'm at 3 now and wouldn't be mad if I got stymied there, but houses are affordable enough in my area that I should be able to buy properties outright by that point.

[Anonymous No.26366028]

If cash is almost certainly going to lose value, is it considered a safe investment? I don't consider cash safe. I think something with the greatest probability of performing above inflation or above the market is a safe investment.

[Anonymous No.26366532]

>>26364611
The real estate market could drop but fuck it. Just like crypto I’ll hodl. I’ll still be getting rent. I have no interest in flipping.
I’m getting like $1000-1500 a month rent on $90,000-150,000 properties.

[Anonymous No.26366614]

>>26366532

The way I see it, if the market crashes, those are just cheapies for us. Only hurts investors on the way out who are retiring, and chances are they've owned their properties long enough that they're still making a good profit.

[Anonymous No.26366629]

>>26366024
Shouldn't you only do this with a LLC? Is that still a "personal investor"?

[Anonymous No.26366662]

>>26366024
Yeah. I have 4 with 1 paid off and the other three will pay off in 5-6 years (I’m taking very little profit, putting it mostly all toward payoff).
Once I get all four paid off I’ll be able to cash buy a new one every 3-4 years.
But then by that point they’ll give you more mortgages. It really feels like a money printer.

[Anonymous No.26366690]

>>26365339
3 months survive cash is good

[Anonymous No.26366723]

>>26366629

I've heard you can work around it by putting them under an LLC but haven't gotten to that point yet. LLC's are good for liability and tax purposes as well at that point.

[Anonymous No.26366732]

>>26366532
What resources would you recommend for a newfag to get started in RE? I was thinking of getting in since there’s a college town in my area (masters/PhD students + working professionals make good renters, plus I have a student account so I can post vacancies on their classifieds page). However all the SFHs near the university are 200k+. Still doable with 5% down, but there’s a lot of houses on the outskirts of town that are half that. Not sure where I’d get started.

[Anonymous No.26366743]

>>26366723
I wouldn't do this without an llc because I wouldn't want to bankrupt myself.

[Anonymous No.26366814]

BCRX and AUPH bros, how we feelin'?

[Anonymous No.26366826]

>>26360160
PMs are shit. He should buy guns if he's going that route.

[Anonymous No.26366881]

>>26366732
I should add that those 200k+ SFHs are in a really good location. Very walkable, decent area. Lots of students live/rent there. I have no clue how good the market is outside of campus though, and I’m not sure how I’d go about gauging how good the area is.

[Anonymous No.26366927]

>>26366826
i bought SWBI does that count?

[Anonymous No.26366944]

>>26366532
>I’m getting like $1000-1500 a month rent on $90,000-150,000 properties.
This can't be a normal case, you must be in a prime area.

[Anonymous No.26366977]

>>26366732

not a fan of the site anymore but r/realestateinvesting was a really good diverse resource for literature and talk on the subject

[Anonymous No.26367163]

>>26366732
A few tips:
-small to medium sized college towns are where it’s at. It’s playing on easy mode.
-All the money you make is at the purchase. Don’t be afraid to walk away from houses. Don’t FOMO into a house. Go out and insult 5 sellers this week with low offers and you’ll steal a house this month.
-Get a good realtor and become their friend. Use them alone and give them all your business. They’ll bend over backwards for you looking for houses if you keep getting them paid.
-Small moderately shitty houses (not too shitty) are the best bang for your buck. Real cheap places attract niggers and don’t get good rent. Big nice houses bring a lot of rent but not enough to make up for the huge loan you take out.
-Look for cheap turn key places with motivated sellers. “I just got a divorce”. “Mom just died and this was her house”. “We were landlords but need the cash so we’re selling”. These kind of sellers aren’t looking to maximize profit. They want to come off the house at any price that isn’t ridiculously low.
-Keep about 3-5 months rent in a savings account for each house for repairs.
-If you lost a house for rent and get 50 replies your price was too low. Don’t be afraid to go higher. You can always lower it if you don’t get bites.

[Anonymous No.26367293]

>>26366614
Agree

[Anonymous No.26367515]

>>26367163
what about property taxes?

[Anonymous No.26367597]

>>26367163
What kind of loans do you get to do this, and are they fixed interest?

[Anonymous No.26367647]

>>26357950
Based.

- Determine what percentage of equity should your portfolio be in. Then buy index funds.
- Buy some property to live or invest (depending on the market and your stage in life)
- Increase income and reduce expenses.

That's about 90% of it.
Get comfy and enjoy retirement when your passive income streams cover your expenses.

[Anonymous No.26367721]

>>26367515
They vary very much by locale. You can look them up though easily. The first rent checks I get I put aside for insurance and property taxes.
I’m paying about $1,600 in property taxes and $1500 in insurance on a $100k house give it take.
I have one outside the city limits which has substantially lower taxes but that one is much tougher to fill so it’s all awash in the end really.
This is in the Deep South. You couldn’t pull this off anywhere else. Yanks are fleeing the coasts and big cities to move here. They’ll pay anything in rent because they are used to paying 3k a month for a broom closet.

[Anonymous No.26367781]

>>26367721
>tfw northeast with 10k property taxes

[Anonymous No.26367884]

>>26367597
Fixed rate conventional. I have a 780ish credit score and approximately 1.2 million net worth. They’ll usually give me about 2.0-2.2% fixed rate with 20% down.
When I started this my net worth was about 300k though and I got similar rates compared to the base rate at the time. You don’t need to be a millionaire. Just a good solid income with “some” positive net worth.
I have a paid off personal home though. That really helped since banks see me as very very not risky. If my renters left tomorrow I could pay the mortgage indefinitely.

[Anonymous No.26367965]

>>26367781
Oosh. You can move here but only if you’re racist and white. No fags either.
Otherwise fuck off we’re full.

[Anonymous No.26368006]

>Wait it's all VTSAX?
Always has been.

[Anonymous No.26368060]

>>26367884
>>26367965
I think what makes the most sense for my location is house flipping via renovations ("tear down that wall for a more... open concept" meme). It's too much work though considering I already have a job and trade on the side.

[Anonymous No.26368204]

Anons, what would your boomer portfolio look like if you wanted to "retire" at 30 with like $2-3million hypothetically.

[Anonymous No.26368314]

>>26368060
You could partner with a redneck construction guy who has time but not money. I have a buddy who does this.
You find houses and put the cash up. He does the work for free. You split the profits 50/50.
At the low end of houses he’ll be putting up approximately the same value of labor dollar wise as you are in cash to buy the house.

[Anonymous No.26368357]

>>26357950
Stake stablecoins on beefy for 30% APY.

[Anonymous No.26368363]

>>26368204
Any most of it is post tax money, not in retirement accounts. How do you maximize your strat to not pay a bunch more taxes when selling some every year to pay yourself to live off of?

[Anonymous No.26368435]

Covered calls are conservative leverage.

[Anonymous No.26368505]

>>26368204
Couple rental houses, 5% BTC and the rest in SPY.
Fuck bonds. Not worth it right now

[Anonymous No.26368517]

>>26368357
On beefy right now:
VAI-BUSD 40% APY (VAI is dollar pegged)
BUSD 30%
USDT-BUSD 23%
USDC 26%
USDT 37%

[Anonymous No.26368710]

>>26368505
Do you deal directly with your renters? Or do you pay a cut to have a property manager or whatever they are called to handle everything?

Also, can you be a little realistic on some of the downsides of being a landlord?

[Anonymous No.26368938]

>>26368505
>Couple rental houses, 5% BTC and the rest in SPY.
>Fuck bonds. Not worth it right now
What is financing like for buying rental houses?

[Anonymous No.26369006]

>>26368938
See my comment above. Not so bad if your debt to income ratio starts out to the good

[Anonymous No.26369042]

i put everything into pltr. is this considered conservative?

[Anonymous No.26369183]

>>26357950
First I have my 401k. I don't personally invest in it but I get $11/hr from my employer - no contributions necessary but no match either.
> 100% VITSX.
Everything else to pick from are more expensive yet inferior T. Rowe Price funds.

Second I have my crypto holdings:
> >1.2 BTC
> > 250 LINK

Third I have my silver stack:
> 300oz
Saving up for gold right now so the silver is on hold.

Fourth and last is my taxable account:
> >50% Cash
I don't trust this market enough to be fully invested.
> 2.5% FSKAX
> 8.75% FSMDX
> 11.25% FSSNX
> 4.17% ARKF
> 4.17% FENY
> 4.17% MGC
> 4.17% QQQJ
> 4.17% QQQM
> ???% TQQQ (strictly invest recycling money, cashback, loose change, etc)

[Anonymous No.26369211]

When I open an IRA, I plan to fill it with high dividend yield index funds with the dividends automatically being reinvested each quarter. I believe IRAs are perfect for dividend reinvestment strategies as the dividends are tax advantaged until retirement. I believe having your IRA setup this way is a good hedge against multi-decade stock market crabbing, and is a good strategy for the conservative investor.

[Anonymous No.26369232]

>>26366826
not this bullshit again. people buying PMs don't expect a complete doomsday scenario. even in a shithole like Zimbabwe the society didn't collapse after their currency had been printed into oblivion.
but let's say someone genuinely believes in an imminent societal collapse. do you want him to put his entire net worth into guns or, after accumulating all the necessary supplies and gear, allocate his wealth into something the would preserve his purchasing power through the collapse? do you also expect that some kind of order will never be restored after the potential apocalypse? what do you think would be the first generally accepted currency in the recovering society? bitcoin, guns or something that doesn't corrode, is easily divisible and has been used as money for thousands of years?
not to mention I didn't even recommend PMs as a significant part of the portfolio.

[Anonymous No.26369299]

>>26369183
Probably best to work towards getting a higher paying job. Your investment strategy is sound.

[Anonymous No.26369402]

>>26368314
Interesting idea. I wonder how different the returns are from that vs a residential reit.

[Anonymous No.26369546]

>>26368710
I do not pay a property manager. Between my wife and I we deal with it all. When I go on vacation I leave my best friend with a credit card and pay him a few hundred bucks to be “on call” in case anything happens. It rarely does. This is a guy I trust to watch my kids to though so I wouldn’t trust just anybody with this.
I do most of the easy fix-it stuff myself (simple plumbing, simple electrical, stuff like that). If it’s above my pay grade I’ll get a contractor (HVAC, roof stuff, complicated plumbing etc.).
The downsides are as follows:
-last Christmas Eve I had to go to one of my houses to fix a bath faucet that wouldn’t turn off. Stuff happens and you have to deal with it. It has a tendency to be during inconvenient times.
-A bad renter can wipe out a years worth of profit by just trashing the place. Hasn’t happened to me yet but I’m uber selective on who I rent to. $500 non-refundable pet deposit per pet not to exceed 3. No large dogs.
-if all my renters magically left I could pay the mortgages but it’d cut my lifestyle significantly. You just have to be prepared to do that.
-another note: try to avoid eviction at all costs. They will trash trash the place or bare minimum stop giving a fuck. As long as the mortgage is covered I’ll let them slide if they are cash short one month with the understanding the rent will go up until we’re square. I give my renters 20% off the month of December for Christmas to build good will (send a Christmas basket as well).
You want them to like you. They’re a customer, not serfs. Happy customers keep paying.
-Don’t break the law but be very very very discerning in who you rent to.

[Anonymous No.26369625]

>>26369402
I find residential REITs significantly underperform what my flipper buddies get cash on cash in returns on their money. YMMV

[Anonymous No.26369861]

>>26369299
Thanks. To clarify I make $50.75/hr gross wages. I make *another* $11/hr straight to my 401k from my employer. The rest is usually $100 to PMs, $250 to crypto, and $200 to my taxable account every week.

[Anonymous No.26369931]

>>26369546
I guess the slumlord lifestyle isn't for me. Thanks for the info though. I think if I were to start investing in my own projects my only real route is online webstore stuff (like women's beauty electronics and a ton of adspend).

[Anonymous No.26369962]

>>26369861
Too much PM imo. Not a fan though. That’s my bias going in.

[Anonymous No.26370026]

>>26369931
It’s not as bad as it sounds. You want avoid slumlord shit at all costs.
Low end suburban housing.
That’s why geography matters though. Not gonna work in Manhattan or Chicago. It will in Birmingham, Jackson or Baton Rouge though.

[Anonymous No.26370091]

>>26358134
a man of culture I see

[Anonymous No.26370140]

>>26369931
>>26370026
Keep in mind here down south you can get a suburban 1600-2000 soft house for a tenth of what you could in a major urban area.
We have 600k literal mansions here.

[Anonymous No.26370174]

>>26368204
Boomer? At minimum have enough invested in REITs and bond funds to yield $12,000 annual income. That still falls within standard deduction so no income tax. Then have enough invested in dividend stock funds to yield $40k/yr which means no capital gains tax. That's $52k/yr income tax free and it can be done for between $1-2M. Put the rest in BTC.

[Anonymous No.26370305]

>>26369962
They were my first investments and now they're ultimately a hedge. Crypto and stocks have been much better to me though.

[Anonymous No.26370316]

>>26370026
Yeah, that's basically the catch that the other anon was asking about.

>>26370140
Where I live there is a property worth $100m+ and dozens of houses in the $10m+ range lol. If I drove along the rail line there is definitely cheaper stuff but it gets scummy really quickly. It's like those images in brazil where you have the hyper wealthy directly next to the hyper poor, albeit less severe. People know what they're paying for though, it's not like a college town.

[Anonymous No.26370561]

>>26370174
Long term capital gains right?

[Anonymous No.26371353]

>>26370316
I can’t even imagine. I mean I can. I’m well traveled. But I can’t imagine living in that.
Whenever I read frustrated NEET and incel comments on these boards I always half suspect it’s because they live in a 3k/month shitbox owned by Mr. Shekelberg working 50 hours a week for 50k.
There’s a better way to live. Don’t be afraid to move man. Life is too short. People laugh at our slow and backwards ways here but we’re happier.
Here you can easily make 60-80k and buy a nice house in a 90% white neighborhood while still having disposable income.
Don’t move to Texas though. California faggots have already ruined it.

[Anonymous No.26371644]

>>26371353
I think you got me wrong. My friends and myself all live with our parents (in connected half/separate unit, barn, or actual same house) and just work as software devs where 95% of our income just gets saved or reinvested. Out of my 90k income I spend maybe $100 a month, if that.

[Anonymous No.26371734]

>>26371644
Oh I didn’t mean you. I just meant the general feeling of despair I feel from big city victims.
Sounds like you are doing well. You make more than I do in “day job” wages. I just have a lot of income bearing assets.

[Anonymous No.26371932]

>>26371734
>I just meant the general feeling of despair I feel from big city victims.
I used to work in the city and the commute made me want to kill myself. I hated it so much.

Now that I work from home I'm much happier. I only started working recently and have basically no equity though, but I trade multi-leg options with some of my money and it's basically doubling my 90k work income right now (until everything collapses and I lose it all but it started as play money basically).

[Anonymous No.26371982]

>>26370561
Yes. In the case of dividends that starts after holding a stock or fund for more than 60 days. Selling it outright requires 366 days to transpire from initial purchase.

[Anonymous No.26372008]

>>26371982
>In the case of dividends that starts after holding a stock or fund for more than 60 days.
That's a neat hack.

[Anonymous No.26372841]

>>26371932
Never was an options guy. Not saying it doesn’t work but I just never liked the probabilities.
I’m all real estate, crypto and long term hold stonks.
Use crypto profits to buy real estate and rent to buy crypto/stonks. That’s been my game.

[Anonymous No.26373134]

>>26372841
I've never traded crypto because it's hard to trade off of crypto news and they don't have earnings or anything like that. I want some passive income like you have that's not just dumping numbers into a number machine which is why I was looking at online webstores and things like that.

[Anonymous No.26373149]

>>26357998
this isnt conversative lol
redundant top holdings of tesla good luck

[Anonymous No.26373276]

>>26359330
Based

[Anonymous No.26373392]

>>26364964
I have a strange feeling you're a negro.

[Anonymous No.26373414]

SPHD. Dividend ETFs are relatively new and the type of people who are interested in yield will also want to eliminate the need to pick stocks. An absolute steal under $40, will probably be at $100 before the end of the decade while paying you every single month

[Anonymous No.26373481]

>>26359330
Boring. I'm up 250% with PLUG and GME. This is the time of yolo trades. Your slight outperformance will fade so quickly in a downturn. Regular cash outs and yolo trades are the way to really outperform in this market.

[Anonymous No.26373559]

>>26370316

This is what we get for living in areas where we get paid less, the opportunity to invest in a workable housing market. If you're in a more bloated, high salary area you should just be dumping that into equities and crypto.

[Anonymous No.26373863]

>>26357950
CLF CLF CLF CLF CLF CLF CLF CLF

[Anonymous No.26373905]

>>26360057
How does one make it in real estate?

[Anonymous No.26374237]

>>26373134
I don’t trade it either. I just buy and hodl. Whenever my account gets big enough I’ll sell off some and buy a few more houses.
All my other investments are a way to get cash to get more houses. Once I get to like 8 houses it’ll be too much for me to handle so I’ll probably hire a property manager at that point and spend all my time working my day job and looking for new houses.

[Anonymous No.26374412]

>>26373905
Fix up and flip for high risk high reward. Rental for stable income.
Flipping is not for the faint of heart. You can lose your ass quickly

[Anonymous No.26374808]

>>26360336
bullets cost too much now lol

[Anonymous No.26374950]

>>26358015
smart. how much is in your roth account?

[Anonymous No.26375111]

Not sure if this is a boomer take but consider the following regarding dividends. Do not chase high yields if you are accumulating wealth. Look for low payout ratios and high earnings growth. As earnings grow the dividends will rise if the payout ratio is maintained. As the stock matures it will increase its payout ratio. The earlier you do this the greater the yield you will get for every dollar invested. This of course compounds every time you reinvest your dividends.

[Anonymous No.26375257]

To the real estate bros in this thread, is it more cost effective to search for houses yourself or do you get a professional?

[Anonymous No.26376051]

>>26365339
Its roughly enough just for shit like a water heater or washing machine blowing out on me. I'm net positive on living expenses cause of my r*ntoids