/biz/ - Business & Finance

[Anonymous No.56321118]

Is there any good reason to diversity into stocks? Currently 100% crypto and it seems the biggest risk is sticking with boomer investments at this point

[Anonymous No.56321378]

I'm having trouble making this decision as well.

Feels like I should diversify but feels like both markets could crash at any moment.

[Anonymous No.56321404]

>>56321118
>>56321378
It depends on your age, income, and risk tolerance. Its always smart to have a diversified portfolio. Crypto is very high risk, extremely volatile, but you have the chance of picking a winner, kind of like playing roulette. Stocks are historically great in the long term, but are unlikely to yield anywhere near as much. That being said, if your money isn't working for you, you're just being a fool. Index funds typically yield better than most mutual funds, and in the long run, have decent gains. I prefer unmanaged index funds because I'm not paying management fees. I treat it more like a supplement to a retirement fund. There's also high-yield savings accounts as well.

[Anonymous No.56321406]

>>56321404
For me its about creating a safety net so I'm less stressed about crypto

[Anonymous No.56321417]

>>56321118
ah yes those shitty boomer stocks which are at all time high prices right now, compared to crypto which is... about 60% down from all time high in best case scenarios kek, don't even get me started on alts fucking LMFAO

[Anonymous No.56321419]

>>56321118
I have a stack of stocks with average ~5.6% dividend rate and im quite happy with it. Split 70/30 stocks to crypto

[Anonymous No.56321421]

>>56321406
That would definitely be wise. If you're really concerned about a market crash, you'd probably be better suited with a high yield savings account. Typically, you set up direct deposit on it and there are no fees. So-Fi and Lending Club both offer 4.5%, there are others out there you should look up. If you're young, or you already have a lot of liquid these accounts are great for the long term. At the very least its a hedge against inflation, so you're not losing money having it languish in a Wells Fargo or Chase account making 0.25%

[Anonymous No.56321424]

>>56321417
What about Gold / precious metals or real estate?

[Anonymous No.56321438]

>>56321424
I wouldn't advise real estate right now unless you've got a very large down payment or can buy the property outright. Also, real estate is very regional. One city or regional market can be completely different from others. You really need to do homework if you're looking at getting into real estate as an investment.

[Anonymous No.56322404]

This board posts the hottest women, it's unreal

[Anonymous No.56322538]

>>56322404
I'm imagining her beautiful anus as we speak

[Anonymous No.56322673]

>>56321118
Stocks feel a lot worse than crypto
>pump and dumps are shilled as 'legit' because they've got vanguard or blackrock investors/FDA/DEA/SEC approval
>
Crypto has every person trying to prove they are, in fact, not a scammer while everyone else is. Stocks are a place for 50yo gen xers in /smg/ who used to shitpost about mudkips 20 years ago on /b/ to go and hide their cash in hopes that 'number go up' isn't a meme but a boomer manifested reality. The alternate side are things like penny stocks and options but /smg/fags are literally talking about stuff (options) that can send your portfolio to zero.

Crypto can go to infinity just by hodling it, real estate is a place you can live and see your net worth go up, gold is shiny and you can hit people with it. Stocks are like a shittier version of crypto where a 70yo financial advisor who should have retired 15 years ago when the recession happened explains to you that actually Netflix is a great investment because all his retired buddies say so.

[Anonymous No.56322730]

You morons. The only thing you diversify is your investment portfolio. That means different markets! It doesn't mean 12 different stocks. It means investing in bonds, crypto, stocks, futures, pasts, commodities, barbie dolls, collectors plates, mint-condition coins, baseball cards, street drugs, etc.

[Anonymous No.56323691]

>>56321118
I mean, yeah, if you want to plan for retirement and max out your IRA, SEP IRA and 401K. Stocks are more liquid and offer just as much in gains. To this day my best trades have been penny stocks. Bought IPNFF at 1 cent and sold at 42 cents. Paid off all my debts and put the rest in crypto. Currently down -98% from my entries in crypto. I've never seen anyone lose that much on stocks, not even penny stocks.

[Anonymous No.56323797]

>>56322538
that's gay.
you are gay.

[Anonymous No.56323826]

>>56322538
>>56322404
>>56321118
Thats a MAN

[Anonymous No.56323863]

>>56322730
you're not an investor you're a hoarder

[Anonymous No.56323956]

>>56321118
Now that's a woman.

[Anonymous No.56324601]

>>56321118
No, there's not kek, also, the money imma throw into Stocks I can easily throw it into Blocklords that is a lot more enjoyable

[Anonymous No.56325021]

>>56321118
He's hot.

[Anonymous No.56325094]

>>56321118
She is built for bbc

[Anonymous No.56325305]

>>56324601
Well, at least you're having fun somehow

[Anonymous No.56325306]

>>56323826
Definitely better

[Anonymous No.56325309]

>>56324601
NFT games are dead, and you can't change my mind you idiot

[Anonymous No.56325315]

>>56324601
Based, how much did you throw

[Anonymous No.56325360]

>>56321118
well say you have 100% of your income...... say you're saving 75%. Then you can afford to spend maybe that 25% you would have spent on something stupid on something smart that yeilds a return. just for funsies. I would even have a separate bank account dedicated to it. I would only keep an emergency fund in cash, since it's so inflationary.

[Anonymous No.56325361]

>>56321417
>buying at an all time high.

This is why you're in the situation you're in. You're a moron.

[Anonymous No.56325394]

>>56325361
This logic is solid, until I stop being a moron and seize the means of production.

[Anonymous No.56325942]

>>56321118
if you've been 100% in Crapto since the crash I see no reason to get out now. Long term trend looks like the bottom as been consolidating since August. If you were to ask me I'd say now's the time to be DCAing into 'safe' cryptos like btc/eth until the next halving and/or the Fed cuts interest rates again. Sell target date and transition to shitcoin gambling around late 2024 or early/mid 2025. But I'm a hentai gooner on 4chan. So take my advice at your own peril.

[Anonymous No.56325964]

>>56325942
Do you see any good reason to invest in BTC anymore when ETH makes BTC superfluous? Everything interesting in crypto seems to now be ETH adjacent. I hold 40% BTC 60% ETH and thinking just going 90% ETH 10% shitcoins. Not sure if retarded or genius given the market conditions

[Anonymous No.56326255]

the based allocation is 30% RE, 30% stocks, 30% crypto and 10% other hard assets (beans, bullets, bandaids).

[Anonymous No.56326322]

>>56321118
That's a man and he's actually called Pepe

[Anonymous No.56326371]

>>56321118
What do I have to do to get a girlfriend like that?

[Anonymous No.56326406]

>>56321118
/b/ used to post nudes of xer, but not for a long time… I think it’s because xhe was 17 at the time and is illegal in many places.
I’ll say xhe definitely looked more boyish but had the most delicious 3’ penis a grown man could ever want to suckle on.

[Anonymous No.56326804]

>>56325964
I actually have a strong inclination to go harder into ETH especially with lots of exciting yield bearing LSTs and ETH based index funds like SrETH.

[Anonymous No.56326986]

>>56325964
>Do you see any good reason to invest in BTC anymore when ETH makes BTC superfluous?
yeah, btc is still king. So it's prob ever so slightly safer for those more risk averse. I won't engage in mETH head flippening fantasies because I think the btc/eth rivalry, PoW vs PoS, etc, is beyond my expertise.

But just to be transparent I'm probably at a 75/25 ratio of eth/btc in favor of eth.

>>56326804
yeah but I think ordinals can blow up too once btc fully recovers. "NFTs on the btc network" and what not.

[Anonymous No.56326994]

>>56321118
If you like reading balance sheets there are tons of small and mid cap companies in the us which are either still running or are very high quality but are still at 50% drawdown and a good buy. With the dollar strength there are lots of good foreign ADRs you can buy that have acceptable current FCF yields, future prospects, and the potential to rally like crazy from dollar going down if rates drop

[Anonymous No.56327068]

>>56321118
Commodities, precious metals, Crypto, cash equivalents(although money is about to poor into bonds) maybe not so much. The stock market might rip here but I'm out if it ever pulls back maybe

[Anonymous No.56327255]

>>56327068
sounds like some stupid crap i'm betting on another 20% drop this is just the beginning of the pain

[Anonymous No.56327597]

>>56321118
more pics of her

[Anonymous No.56327612]

>>56322404
>>56322538
I'm sorry to tell you, but...
That a MAN

[Anonymous No.56327714]

>>56327597
send me the link then retard

[Anonymous No.56328024]

>>56327714
okay retard i'll send you the link

[Anonymous No.56328059]

>>56322730
You’re literally retarded

[Anonymous No.56328178]

I mean if u can stomach a lot of volatility and risk crypto all the way. Especially at this very moment in time. Going of the 4 year cycle theory and the btc halving approaching. Historically the next few months will be a good time to buy crypto. I bought the top and got rekt. Now I'll be buying the bottom. I feel as if stocks are for people who already have a lot of capital and r thus alright with a meager 25-50% return in one year.

[Anonymous No.56328224]

>>56328178
don't you think this time is actually different considering the economy?
>stocks are for people who already have a lot of capital
how much would this be? I'm slightly over $100k, which took me 4 years of waging to save up

[Anonymous No.56328277]

>>56328059
who me are you looking in the mirror when you say that you sound like a whiny little pissbaby

[Anonymous No.56328394]

>>56328224
I don't think the real economy and the stock market/crypto r necessarily the same thing. Although the extreme financialization of the economy might disagree. In terms of how much capital is a lot I would say it depends on the individual. For me 100k would be a lot and something that I would be afraid to lose. I would personally not put anywhere near 100% percent in crypto. I'm only playing with like 15k so I'm diversifing in very low marketcap alts. Which are MUCH riskier then cryptos in the top 10 in marketcap. Also I'm not deploying all my capital just in case the cycle theory doesn't play out this time.

[Anonymous No.56328435]

>>56328394
Do you think it would be smarter to A) put 100% into ETH or B) like 15% into low marketcap alts and putting the rest into something like real estate? Assuming you have $100k

[Anonymous No.56328468]

>>56328277
you got nothin' to say

[Anonymous No.56328687]

>>56328468
okay fair enough it seems like the anon is trying to provoke me into giving them the attention they crave so desperately or maybe it’s just some weird passive-aggressive jab that i don’t understand either way it doesn’t seem like something worth getting worked up over

[Anonymous No.56329076]

>>56323826
Shh is ok

[Anonymous No.56329479]

Is it a bad time to buy stocks? I was hoping to start my ira but s&p 500 index funds and real estate etfs are all going down from all time highs

[Anonymous No.56329549]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56329615]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56329694]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56329766]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56329823]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56329828]

>Liquidity of the market
>Breadth of choice
>Depth of available information
In a nutshell, that's how I justify holding stocks. If you're looking for some truly boomer-friendly diversification, I'd look into bond laddering. That's the kind of shit that'll win you approving nods from IBM-retirees at a mid-tier country club.

[Anonymous No.56329894]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56330025]

Day Three of posting about Nyan Cat Money five hundred times per day until its over $1 each. Post Counter 116

[Anonymous No.56330307]

>>56321406
Crypto isn't bad, but what else do you expect from some scammed-meme lord? crypto is not the problem, he just has difficulty in identifying good gems with strong utility like STMX, VRA, LOOKS, NXRA, and GODS. Nigga been on memes and expect to succeed in crypto, Kek.

[Anonymous No.56330311]

>>56321118
Bros tineye didn't work post source

[Anonymous No.56330329]

>>56322538
>>56323826
>>56327612
Sorry I only pretend to be retarded on /biz/

[Anonymous No.56331395]

Day 4 of posting about nyancatmoney.com 500 times a day until we are over $1 each. This is post 1508.

[Anonymous No.56332697]

>>56321417
never talk about anything financial in public again... you just outed yourself as an absolute drooling retard bud

[Anonymous No.56333617]

>>56321406
60/40 stocks to crypto is based. For crypto BTC and ETH is based, diversify into;
>MATIC
>LTC
>MASQ
>RAIL.

[Anonymous No.56333671]

>>56327597
>>56330311
Don't even go there.
You will be disappointed and disgusted .

[Anonymous No.56333697]

>>56321118
>BTC
>Cash
Let me guess, you need "more"?

[Anonymous No.56333873]

>>56333697
>BTC
NGMI in 2023 at this point

[Anonymous No.56334471]

>>56333873
Some new projects looks good tho, I have my fingers crossed on Supra oracles. BTC seems to be riding on past hypes.