Investing Thread

I love when divs hit and get reinvested. Just got 3 more shares of T.
 
HunterSdVa29 said:
no, not at all. I am just somewhat leary about the current situation of our Market, compared to like virtually every other market

Our currency is standing strong, while the Yuan, Rupee, Brazilian Real, Argentine Peso, Turkish Lira, S. African Rand etc....are all experiencing heavy freefalls (Remember when BRICS were the goto in EM? hahaha). Debt balloon payments loom for mad emerging markets, and it's looking they won't be able to pay as the Debt is largely in USD.

And it does appear, at least somewhat, that Institutional Investors (be it foreign Central Banks, Buffett, Pension funds like you alluded to, whatever) are largely propping up at least the Nasdaq through FAANG stocks (the average person isn't copping NFLX shares at it's current price, I mean someone like you probably could easily but you get my pt).

I just hope, as I am starting to read otherwise from many analysts, that some form of the 2011 EU debt bubble isn't looming particularly in Emerging Markets.
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Almost every one in here a buying ETFsthat is who is buying nflx at current prices.
 
HIMBOB said:
Almost every one in here a buying ETFsthat is who is buying nflx at current prices.
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well yes, although it's probably more 401k/403b mutual funds containing NFLX than ETFs (which haven't seemed to take off here as much as say Japan)
 
This is a great thread, thanks TS!

I've read through the thread and didn't see anything about investing in currencies. Has anyone here invested in currency?

I was recently in Colombia and the dollar is valued at three times more than the peso which I think is a historic high. I was wondering if there is any way to take advantage?
 
Recently cut down investing to 25% of my income to try to save more for a house. Dumping everything right now into a target date fund.
 
Currently saving 10k year in 401k but I'm gonna max it out in next month or two. Probably fund a Roth after that, keep about 25k in cash, anything above that will go into real estate. Also get a solid pension through work.

My guess is ill have 750k in 401k, 200k in a Roth, a healthy pension, and hopefully several rental properties come retirement
 
PhitePhan said:
This is a great thread, thanks TS!

I've read through the thread and didn't see anything about investing in currencies. Has anyone here invested in currency?

I was recently in Colombia and the dollar is valued at three times more than the peso which I think is a historic high. I was wondering if there is any way to take advantage?
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Currency is pretty risky at the moment IMO
mainly due to so many currencies being devalued (literally all BRICS countries, Turkey, Argentina, etc...), and then the looming debt balloon payments for many of those countries. Even steady currencies are at risk b/c it could result in a EU/Greece Bailout situation as a result to so many countries propping up debt ridden emerging markets

Mexican Peso has actually done surprisingly well recently, so there's that at least
 
Currently buying almost exclusively Blackrock iShares ETF's (mostly S&P 500 and Eurotrash) targeting developed markets.

HIMBOB said:
Buy rising, sell dropping. Is the best idea imo.
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No. Buy, buy and buy and only sell if you absolutely have to.
 
PhitePhan said:
I've read through the thread and didn't see anything about investing in currencies. Has anyone here invested in currency?

I was recently in Colombia and the dollar is valued at three times more than the peso which I think is a historic high. I was wondering if there is any way to take advantage?
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Do you like being awake in a cold sweat at 3am watching live feeds on the currency crosses?
Do you like 1:100 leverage ratios on margin accounts?
If so, FX trading is for you!

I've done FX trading in the past, I was lucky to get out alive. Honestly, if you have to ask, don't even think about it. All it takes is a 1% move in the wrong direction and your account is completely zeroed out. Leave it for the folks who have money to burn, and who can hedge their trades in a half dozen ways.
 
PhitePhan said:
This is a great thread, thanks TS!

I've read through the thread and didn't see anything about investing in currencies. Has anyone here invested in currency?

I was recently in Colombia and the dollar is valued at three times more than the peso which I think is a historic high. I was wondering if there is any way to take advantage?
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That's trading not investing.

For you to make a dollar someone else has to lose a dollar. Or in other words on aveeave there is no winner.



Forward contracts etc are probably what you are looking for but I would advise against.
 
kahiljabroni said:
Currently saving 10k year in 401k but I'm gonna max it out in next month or two. Probably fund a Roth after that, keep about 25k in cash, anything above that will go into real estate. Also get a solid pension through work.

My guess is ill have 750k in 401k, 200k in a Roth, a healthy pension, and hopefully several rental properties come retirement
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You need to up those 401k/IRA goals much higher in my opinion. Inflation by the time you retire could suck you dry unless your lifestyle can be supported by your pension and rental properties alone at retirement. Even then I think it's always good to have a high buffer. If you can max out your 401k and Roth IrA as long as possible that would be ideal. My wife and I almost max ours, but plan to fully max both for 5 years straight and longer if possible starting in 2019. We will see though. If we send 2 kids to private school we probably have to pull back unless we can increase our income.
 
boingyman said:
You need to up those 401k/IRA goals much higher in my opinion. Inflation by the time you retire could suck you dry unless your lifestyle can be supported by your pension and rental properties alone at retirement. Even then I think it's always good to have a high buffer. If you can max out your 401k and Roth IrA as long as possible that would be ideal. My wife and I almost max ours, but plan to fully max both for 5 years straight and longer if possible starting in 2019. We will see though. If we send 2 kids to private school we probably have to pull back unless we can increase our income.
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I'm 36, I have to work til 62. So I'll max out for 26 years...add that to what I already have and that's just over 500k invested. Now add whatever interest in happen to accrue...I was being very modest when accounting for interest by saying 750k

Honestly tho I operate on almost no debt...will definitely have paid off house and cars so I could live on pension alone if I had too. It's currently about 4500 per month but I'm sure will be much higher in 26 years. And that's just me...my wife has been maxing out her 401k for ten years with 25 to go....she'll have way over a million.

All that said I plan on being able to live on my pension alone...retirement accounts will be for play. BUT.....I also want to have enough in retirement accounts that if I lost my pension I could live on them alone.
 
Real investment requires very large capital like properties or very risky. Most of the gains from doing safe investment seem very Mickey mouse and not worth the time and effort involved.
 
kahiljabroni said:
I'm 36, I have to work til 62. So I'll max out for 26 years...add that to what I already have and that's just over 500k invested. Now add whatever interest in happen to accrue...I was being very modest when accounting for interest by saying 750k

Honestly tho I operate on almost no debt...will definitely have paid off house and cars so I could live on pension alone if I had too. It's currently about 4500 per month but I'm sure will be much higher in 26 years. And that's just me...my wife has been maxing out her 401k for ten years with 25 to go....she'll have way over a million.

All that said I plan on being able to live on my pension alone...retirement accounts will be for play. BUT.....I also want to have enough in retirement accounts that if I lost my pension I could live on them alone.
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So you are being too modest in terms of compound interest. I can't predict the future and I have my doubts that average ROR of lets say the S&P500 will keep up with historical averages, but I still believe it will be decent. In my opinion a very modest ROR in the next lets say 25-35 years would be 4-5%. 6-8% is still realistic though. 10-12% would be having high hopes. With that being said even with a modest 4-5% return you and your wife should have several million by the time you both reach retirement, but may also depend on how you allocate your funds. IMO even a simple lets say 2045 target fund should bring in 4-5% ROR.

I do understand about having doubts though, but you are definitely low balling it big time at $750k. That would be less than 2% ROR including dividends. You are better off finding better ways to invest your money if that was the case since it won't even keep up with inflation. On the otherhand it's not a bad thing to expect the worse. Better then expecting >10% returns, but only averaging half of that when the time comes.
 
boingyman said:
So you are being too modest in terms of compound interest. I can't predict the future and I have my doubts that average ROR of lets say the S&P500 will keep up with historical averages, but I still believe it will be decent. In my opinion a very modest ROR in the next lets say 25-35 years would be 4-5%. 6-8% is still realistic though. 10-12% would be having high hopes. With that being said even with a modest 4-5% return you and your wife should have several million by the time you both reach retirement, but may also depend on how you allocate your funds. IMO even a simple lets say 2045 target fund should bring in 4-5% ROR.

I do understand about having doubts though, but you are definitely low balling it big time at $750k. That would be less than 2% ROR including dividends. You are better off finding better ways to invest your money if that was the case since it won't even keep up with inflation. On the otherhand it's not a bad thing to expect the worse. Better then expecting >10% returns, but only averaging half of that when the time comes.
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Can't argue with any of this. I know there are calculators to try and predict but I like to bank on worse case scenario.
 
How’s everyone doing? Lol.

Been a rough few weeks.
 
Sonny said:
How’s everyone doing? Lol.

Been a rough few weeks.
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Staying on course. If anything I'm tempted to buy buy buy, but waiting to see if it will drop even further. I may just max out my Roth IRA off the bat starting January. If it continue to drops futher, then I may just buy more in a taxable account. All in all it's a appropriate correction. 2017 many of us made 20% or more. 2018 many of us are at 0% +/- 5%. Still averages out well. The question is what will happen in 2019.
 
definately have switched out of some of my ATVI and NVDA (excellent while it lasted haha) shares into some REITs

ride out this volatility w/ some higher dividend payouts
 
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