/biz/ - Business & Finance

[Anonymous No.769871]

infographics general?
(economics ones preferred) dump dump dump

[Anonymous No.770402]

>>769871

[Anonymous No.770412]

>>769871

[Anonymous No.770434]

>>770412
Why everyone here waste their time studing finance then?

[Anonymous No.770575]

>>770434
so that you understand it instead of just believing what you see in a .PNG

[Anonymous No.770747]

[Anonymous No.770933]

>>770575
Then explain it and refute every point in that infograph, if not, shut the fuck up kid

[Anonymous No.770970]

>>770747
Ants, etc.

>>770933
Not every point needs refuting. Many funds do outperform by quite a bit and overall return is not always the best metric especially when you're dealing with only a few years worth of data. It makes no mention of evaluations, leverage, etc which are all very important to underlying business models.

[Anonymous No.771022]

>>770970
You didn't say shit in your shitty comment.

[Anonymous No.771030]

>>771022
No need to be such an asshole, friend.

[Anonymous No.771039]

>>771030
yes I need it, did you read the responses of these faggots?

[Anonymous No.772246]

[Anonymous No.772263]

>>772246
Holy shit, is this the "how to stay middle class" guide?

If you increase your bond portfolio by 1% a year, you are throwing away a huge chunk of your growth money into stagnant returns.

Mutual funds are designed to make only the fund managers money. Look at the returns on most mutual funds and how much they charge per year to invest in.

Don't take investment advice from /biz/ don't even take investment advice from me.

[Anonymous No.772275]

>>772246
>someone reposted the guide I made

[Anonymous No.772281]

>>772263
the pic recommends index funds, which have much less fees than mutual funds

the bond percentage thing is generally what is taught in personal finance classes. the idea is that as you grow older you should be putting more of your money into safe investments

[Anonymous No.772296]

>>772281
Index funds are mutual funds. They're mutual funds indexed to a benchmark.

If you want to refer to non-indexed mutual funds, the correct term is "actively managed" funds.

[ScandinaviaBrah !!MMwVgUrCHqf No.772300]

>>772281
>the idea is that as you grow older you should be putting more of your money into safe investments

True but no way near your age = % of bonds. Thats for retards

>>772275
gj making a noob guide :^)

[Anonymous No.772306]

>>772275
A retarded weaboo made that shitty graph, what a surpirse

[Anonymous No.772377]

>>772300
>True but no way near your age = % of bonds. Thats for retards
Not if you're 106 years old.

[Anonymous No.772382]

>>772377
So you can have 106% earning dividends with bonds?

[Anonymous No.772387]

>>772382

[Anonymous No.772463]

>>772300
>>772306
In defence of my guide:
"Bogle recommends "roughly your age in bonds"; for instance, if you are 45, 45% of your portfolio should be in high-quality bonds."

http://www.bogleheads.org/wiki/Asset_allocation

From those Bogleheads you guys love so much.

[Anonymous No.772496]

>>772296

>what are ETFs

[Anonymous No.772505]

>>772463
We don't need infographics here you retarded.
If someone want information about business and finance and don't have the brain to use google they don't deserve a guide.
You are just a retard weaboo who wants to be famous by reposting shitty pics, Why do you think this board don't have a sticky? I will not waste my time with you retarded

[Anonymous No.772516]

>>772496
>what are ETFs
Exchange traded mutual funds. Any other questions?

[Anonymous No.772840]

>>772505
I agree with this guy

[Anonymous No.772848]

>>770412
>what are management fees

more often than not, you'll see 22% of profits go out the window

[Anonymous No.772899]

>>772463
you're only under fire because you were trying to show off about making the PNG like some kind of tripfag wannabe

[Anonymous No.773181]

>>772263
also, mutual funds aren't all priced like this. people pimp vanguard because they have much fairer rates.

[Anonymous No.773408]

Is there a good /biz/ wiki around?
Or is Bogleheads.org good enough?

[Anonymous No.773416]

>>773408
>Is the best investing forum on the planet better than what 4chan could come up with?
Yes.

[Anonymous No.773484]

>>773416
I'm just new to finance. Heard dividends is a great way to make long-term money, though this is from someone who has never invested in stocks.

[Anonymous No.773513]

>>773484
Actually, dividend-focused equities are a terrible way to make long-term money for a young investor. You won't have enough capital to earn meaningful income, and you would need to re-invest that income anyway to avoid killing your compounding. On top of all that, you're incurring current tax liability, which further stresses your current income and hurts your compounding.

People erroneously assume that dividend-focused stocks are better, safer, or have higher long-term returns. And that's just not true.

I'm not against dividends in general, but if given the choice between a growth stock that grows 10% annually and a dividend stock that grows 6% annually and pays a 4% dividend, you'd be a fool not to take the growth stock. After taxes, the growth stock outperforms the dividend stock 100% of the time.

Truth is, a healthy portfolio would focus on a broad market index, not some specialized subsector like dividend stocks. Maybe when you approach retirement, then you'll need to increase your percentage of income-producing assets. But until then, your job should be your sole source of income, not your stocks.

(Now if you're talking about an IRA or a 401k, then you can eliminated the tax drag. If you feel compelled to buy dividend stocks, at least be smart and do so exclusively in a tax-advantaged account.)

[Anonymous No.773523]

>>770434
Studying finance is predicated on the idea that past events can predict the future, that's why

[Anonymous No.773667]

>>773513
Somehow I'm not surprised about that.

Also.. where do you buy bonds/stocks? the market websites?

[Anonymous No.773678]

>>773667
No, you need an account. If you want to buy individual stocks, ETFs or individual bonds you need a brokerage account. If you want to buy mutual funds, you probably want to open an account directly with the fund family (Vanguard, Schwab, Fidelity).

You sound like you're new to all this, which is fine. Before jumping in, I suggest you check out bogleheads.org and investopedia.com. These are better places to get answers to basic questions (and they're more friendly than 4chan usually is).

[Anonymous No.773698]

lazy bitches start contributing

[Anonymous No.774840]

Gonna start dumping inforgraphs randomly, economics and finance relates. I have a shitton, most of them not /biz/ related. If you guys want something in particular ask.

[Anonymous No.774842]

[Anonymous No.774844]

[Anonymous No.774848]

[Anonymous No.774849]

shit sucks though most of them are amerifat centric

[Anonymous No.774851]

[Anonymous No.774853]

I'll come back later. Fucking captcha slow

[Anonymous No.774862]

>>774849
god these things get more colorful and stupider every single time.

[Anonymous No.775458]

>info

[Anonymous No.775926]

>>775458
>graphics