/biz/ - Business & Finance

[Anonymous No.52975651]

What's a good way to invest $100k so it at least keeps pace with inflation over the next few years?

[Anonymous No.52975879]

A little more about my situation. I don't own a home. If I don't buy a home I wont need this money any time soon. I'm looking at trying to get an 8% return to keep above inflation in here in the US. I don't know much of about finance or investment. When I look at the classic investment options: savings account, money market, CDs, etc, none of these have anywhere near 8% rates.
I'm not doing crypto, it's a scam.

[Anonymous No.52975904]

>>52975651
this isn't the 1970's, it's something else.
Buy gold, i understand that people believe it is a crowded trade or a boomer thing, doesn't matter.
This trade could save your life.

[Anonymous No.52975913]

>>52975651
iBonds are pegged to inflation rate. You can only purchase $10k limit, but there are ways around that limitation. That's the best answer to your question, as the return rate is literally pegged to the inflation rate.
You could also consider using a 2x leveraged s&p ETF strategy, over time those have proven to be pretty damn good but there's no guarantee in that.
t-bills ladders are completely risk averse like ibonds but with no monetary limit, but provide lower returns, probably somewhere in the neighborhood of 4.5%, which does beat the historical inflation averages but not the current levels.
Depending on your timeframe, you could also just slowly average in to positions in a basic 3 fund portfolio but this may take longer to pay off as theres no telling when the market will turn around, but if you're investing for the long term this would be a very good solution like the first I mentioned.
There is plenty of info on all of these available on YouTube etc, make sure to dyor.
My plan currently is to hold very safe securities like ibonds and high interest savings account, with a bit in the markets, and wait until property values drop over the next few years, and hopefully scoop up a few low income rentals in less desirable areas

[Anonymous No.52975921]

>>52975651
hold cash until the fallout is over
>BUT YOU'RE LOSING TO INFLATION!!!
niggers inflation is peaked now the effects of the market are gonna catch up, inflation already fucking happened

[Anonymous No.52975973]

>>52975921
Mostly this, but there's no reason not hold your cash somewhere that it works a bit for you such as bonds bills or high interest accounts.

[Anonymous No.52976365]

>>52975904
>>52975913
>>52975921
Interesting.
So basically according to you guys my best short-term options are
Gold
iBonds (never even heard of that)
High interest savings
Cash

[Anonymous No.52976369]

>>52975913
>iBonds are pegged to inflation rate
lol, lmao etc

[Anonymous No.52976467]

>>52976369
Maybe not the true inflation rate but they are pegged to cpi

[Anonymous No.52976529]

>>52976365
I'd be diverse. 20k physical metals in case shit hits the fan, 10k in ibonds as it's basically a vehicle to protect cash from inflation (and that's the max you can do a year anyways), some in savings assuming this is all the cash in your world (6 months of expenses) maybe some cash to buy the dip until your i bonds mature, then you can throw the rest into the markets and go away for a while. ignore the armchair economists here to tell you that these are all horrible no good awful investment strats because you can just make all your money in crypto, this is just further proof that the bottom isn't in yet and things are gonna get much much worse

[Anonymous No.52976564]

>>52976365
I wouldn't buy $100k in gold, or really any gold unless you foresee the economy collapsing. It has historically underperformed almost every security and can be harder to liquidate in large amounts, plus you're basically forced to sell for spot or lower value.
I'd keep that dry powder available for when equities or property are cheaper. Now's a good time to start averaging in to some early indicators like the stock market in my opinion. Don't go crazy though, maybe $3k monthly or something like that into a 3 fund portfolio

[Anonymous No.52976565]

>>52976365
I'm gold bug, and I think physical gold is the obvious choice for beating inflation in the long term, but I'm not sure that its a great option short term. ETFs may be a little better, but most of them seem kinda scammy. Honestly iBonds are probably the best option for safely matching inflation in the short term, at least the official inflation numbers. Real inflation is probably about twice that high though. I don't know of any way to consistently keep up with inflation on short time scales with liquid investments. Stocking up on a wide variety of durable consumer goods would probably be the best way, but you'll have liquidity issues if it's stuff that you don't need.

[Anonymous No.52976626]

>>52976564
With how fast the dollar is going down in value, time is against anyone trying to "wait" for anything.

[Anonymous No.52976657]

>>52976529
Is there a platform where I can manage all this from one account?
It's not all the cash I have, just all that I'm willing to tie up short term. I have about another $30k but 6 months of expenses for me I roughly calculate to be $40k.

[Anonymous No.52976727]

>>52976657
Nope. Buying i bonds is a pain in the dick and if you wanna hold physical gold, ETFs aren't reliable and gold is basically trading like another currency right now so it's really a "SHTF" hedge. Disclaimer -- I hold gold only in ETFs myself, I still think it's worth investing in as an asset class as well even if you don't think SHTF is coming.

On the topic of keeping track of your finances at least, I use YNAB. Not sure if that helps you
>$40k is 6 months of expenses for you
i mean you might wanna see what expenses you can cut back on because that's a fucking lot but I don't know your situation

[Anonymous No.52976778]

>>52976626
Inflation figures are a lagging statistic. Inflation already happened when the fed printed 50 quadrillion dollars during COVID. rates will stay high for a long time and prices will remain volatile but the true devaluation already occurred. Putting your money in a vehicle with guaranteed 4-7% returns is a much better option than throwing it all into a downward trending stock market or buying gold which has practically zero chance of matching the current cpi figure in appreciation

[Anonymous No.52976793]

>>52976778
Except stockpiling vehicles is still a physical burden. At that point, you may not even get to use said returns cause you'll be spending it on maintenance and storage costs.

[Anonymous No.52976933]

>>52976793
My collection of twelve 1989-1997 Mazda Miatas has appreciated 270% since I started buying them in late 2017. I don't drive them so there is zero maintenance costs

>Vehicle referring to government backed securities

[Anonymous No.52976967]

>>52976933
The maintenance costs come from the space you have for them. Most people don't have space for twelve cars.

[Anonymous No.52976975]

>>52976933
And why would you depend on government backed anything?

[Anonymous No.52977002]

>>52976967
>>52976975
Your post was so stupid I assumed you were shitposting
Ngmi

[Anonymous No.52977024]

>>52976727
My rent is $2300/month for a tiny 1 bedroom. I live in one of the most expensive cities in the country in one of the most expensive countries on Earth. Utilities, internet, phone, gym is about $600/mo. Car insurance, gas and maintenance about $300/mo. Food and everything else is about $1000/mo but I eat out 1-2x a week.

[Anonymous No.52977026]

Invest in BTC and BIT. Probably your best bets in terms of crypto investment.

[Anonymous No.52977048]

>>52977002
You're being dumb on purpose. stfu

[Anonymous No.52977062]

>>52975651
Hold VUSXX for 6-12 months while slowly converting that into a portfolio consisting of just 3 funds. 75 percent VTI. 15 percent VXUS. 10 percent VB. Don't worry about beating inflation. Worry about allocating capital wisely. Markets will have a crash in 2023. Cash will outperform the market. Might as well make a small return while you wait it out. Once you buy VTI, VXUS, and VB, you never sell them until the day you're ready to retire and begin living off of only your investments.

[Anonymous No.52977064]

VIPSX

[Anonymous No.52977074]

>>52977024
sorry to hear friend, sounds like you know yourself more than I do

[Anonymous No.52977097]

>>52977026
I fell for the crypto ponzi scheme once, I wont fall for it again. The only positive was I didn't actually lose money, just wasted years of time staring at tickers and charts obsessing over this nonsense. Ponzi schemes are a great investment if you get in early enough and are smart enough to cash out. But I don't put myself in that bracket.
What prompted this thread is it seems like everyone is losing money, which defy's logic, where is the money going? So I thought to myself let me see if I can just maintain.

[Anonymous No.52977103]

treasurydirect.gov

[Anonymous No.52977144]

>>52977097
everyone is "losing money" because they "invested" in crypto

[Anonymous No.52977171]

>>52977097
Inflation is destroying any savings, so thats already default loss of money.

[Anonymous No.52977192]

>>52977097
You want to maintain because you're getting fearful of losing more. This is leading you to make yet another fatal mistake. You need to take risks in this life but do so wisely. You should be looking to invest aggressively soon. Be cautious for now but be prepared to put that money to work in something with some level of risk. Cds and money market funds won't be the best choice.

[Anonymous No.52977290]

>>52977097
A stock's market cap doesn't mean that much money has been invested in the company. It's just outstanding shares x current trading price. Shareholders aren't gaining or losing money when stock prices shift. Same goes for real estate and most other investments. The way to beat a market crash is to not sell.

[Anonymous No.52977441]

>>52976967
Cityoids deserve to go broke while rural chads have yards full of cars. Personally I have chosen to specialize in 90s Toyotas.

[Anonymous No.52977458]

>>52977441
True but land is still expensive. Im just saying, there's pros and cons to everything you hold. Physical assets especially.

[Anonymous No.52977488]

>>52977458
Then buy the land too, which should really be the first priority anyway.

[Anonymous No.52977531]

>>52975651

Make a Treasury bill ladder

[Anonymous No.52977574]

>>52977488
You never own the land you buy. Property taxes.

[Anonymous No.52977586]

>>52977531
That would be an expensive material to use to build a ladder. What do you use to strengthen the paper so it's strong e ough to support weight?

For the time being, it would be more practical to use plain wood to build the ladder. Maybe at some point in the future they will devalue the currency so much that the t bills are worthless for everything except using them as a construction material.

[Anonymous No.52977655]

Buy lots of stuff you're gonna need anyway but which is now cheaper than in the future. Sugar, booze, computer keyboards, toilet paper and many other stuff. I did that last year and its value is now up ~50%. $100K is a bit much but you can easily allocate a few thousand bucks for this.

[Anonymous No.52977678]

>>52977586

You're clever Anon.

[Anonymous No.52977747]

[Anonymous No.52977890]

>>52975651
Retards will always be stupid to know that bitches are fucking living a better life by earning a cashback for every fucking transaction on a web3payment gateway.

[Anonymous No.52977931]

>>52975921
This. Hoard cash and either buy Tbills or high yeild Hedge your folio with 10% put/short position

[Anonymous No.52978038]

>>52975904
Gold ain't gonna sell due to russian war

[Anonymous No.52978068]

>>52977931
>Hoard cash
shut up jew

[Anonymous No.52978253]

>>52975651
You've got to plan for the future and get some asses on metaverse for gays. It's juicy enough for a web3payment platform to integrate both metaverse, privacy and decentralization in their crypto payment gateway and other services.

[Anonymous No.52978372]

>>52975651
How I wish you know that BTC is hitting up. Ape on it

[Anonymous No.52978409]

[Anonymous No.52978472]

>>52977931
This sounds like some crazy African politicians. Such a retard rulers they've got.

[Anonymous No.52978566]

>>52978038
Kek... You fucking supporting Ukrainians?

[Anonymous No.52978677]

>>52975651
Invest in crypto, I know the market is unstable but it will yield huge benefits.

[Anonymous No.52978967]

>>52978677
Look here jeets, there's a rapid growth adoption as a huge number of businesses whiling to accept crypto as payment have increased to make dicks hard, and that makes retards fucking around a web3payment platform with a wide global acceptance of crypto.

[Anonymous No.52979208]

>>52978677
Not just crypto, invest in solid cryptos.. that's the only way to make it.
Btc eth matic sylo and tel are my top picks for the coming year.

[Anonymous No.52979423]

>>52978566
That's a crime?

[Anonymous No.52979454]

>>52978372
You still got the chance now

[Anonymous No.52979625]

>>52979208
On what basis are you picking those anon?
I know ETH is good, BTC is a must have and MATIC is probably the top L2 right now

[Anonymous No.52979777]

>>52979625
Matic is more of a sidechain than an l2

[Anonymous No.52979907]

>>52979625
The other two are low caps that can 10x, 20x or more quite easily
Privacy and self custody inclined projects are looking set for a major buzz

Waiting patiently for the partey

[Anonymous No.52980105]

>>52975651
Real estate

[Anonymous No.52980282]

>>52979907
I need me one of those microcap gems that pumps for a week straight without stopping

>>52979208
Holding some sylo bobros, any chance it goes on an insane run in the coming year?