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  1. #1
    Registered User DoragonKingu's Avatar
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    $50,000 How to Invest

    What can I do with $50,000 to create monthly income? Where and how should I invest it? Is it better to go to Charles Schwab or Vanguard?
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  2. #2
    nah bro im sweat mike.hunt's Avatar
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    .............................
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    With $50K, I would look into putting a decent downpayment on a cheap rental property ( location dependent of course ).
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    Spoon Pic Connoisseur adamsz's Avatar
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    Wait for market crash in next couple years
    Dump into vanguard index funds
    ????
    Profit
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    PHF member mr.left hook's Avatar
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    Originally Posted by adamsz View Post
    Wait for market crash in next couple years
    Dump into vanguard index funds
    ????
    Profit
    this...
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  6. #6
    Registered Developer lockdev's Avatar
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    Originally Posted by adamsz View Post
    Wait for market crash in next couple years
    Dump into vanguard index funds
    ????
    Profit
    This.

    Please, for the the love of fak, do not listen to the "can't time the market" guys on this one. That's normally great advice for a normal market, but the market is beyond manipulated with long-term low-interest rates and the buybacks that both the rates and government policy has enabled. These kinds of manipulations are not sustainable. Don't be the one caught holding the hot potato.
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    Registered User Mlinebacker0's Avatar
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    6’5” 256# headturner1's Avatar
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    Originally Posted by adamsz View Post
    Wait for market crash in next couple years
    Dump into vanguard index funds
    ????
    Profit
    If he’s gonna wait for a couple years, why not dump it into spy now and pull out in 18 months to be safe?


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  9. #9
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    Originally Posted by lockdev View Post
    This.

    Please, for the the love of fak, do not listen to the "can't time the market" guys on this one. That's normally great advice for a normal market, but the market is beyond manipulated with long-term low-interest rates and the buybacks that both the rates and government policy has enabled. These kinds of manipulations are not sustainable. Don't be the one caught holding the hot potato.
    How many million do you have liquid and/or in the market?


    Wealthy people that have built wealth in the market are still investing/holding. And other wealthy people that own real estate/business(es) are still putting money into the market/holding. Same thing goes for real estate. REI's are still buying all the property they can get their hands on. Meanwhile internet experts are saying real estate is in a bubble and not to buy and wait for the crash...



    Simple truth is if he invests his money now in mutual funds/index funds and continuously invests it. He'll build more wealth then if he sits on his money and attempts to buy after a 'market correction.' FYI even real estate guys that are trying to mass large sums of cash to make down-payments on property park their money in index funds until they find a property they want to buy.


    I have a hard time believing internet experts know more then multi-millionaires in those markets/industry's.
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  10. #10
    Registered User Anachron's Avatar
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    Originally Posted by guest89 View Post
    How many million do you have liquid and/or in the market?


    Wealthy people that have built wealth in the market are still investing/holding. And other wealthy people that own real estate/business(es) are still putting money into the market/holding. Same thing goes for real estate. REI's are still buying all the property they can get their hands on. Meanwhile internet experts are saying real estate is in a bubble and not to buy and wait for the crash...



    Simple truth is if he invests his money now in mutual funds/index funds and continuously invests it. He'll build more wealth then if he sits on his money and attempts to buy after a 'market correction.' FYI even real estate guys that are trying to mass large sums of cash to make down-payments on property park their money in index funds until they find a property they want to buy.


    I have a hard time believing internet experts know more then multi-millionaires in those markets/industry's.
    Will get you on recharge. Good post!
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  11. #11
    u wot m8 MyBaddBrah's Avatar
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    Warren Buffet and every other successful investor: Do not time the market.

    Misc: Try to time the market.


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  12. #12
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    Originally Posted by lockdev View Post
    This.

    Please, for the the love of fak, do not listen to the "can't time the market" guys on this one. That's normally great advice for a normal market, but the market is beyond manipulated with long-term low-interest rates and the buybacks that both the rates and government policy has enabled. These kinds of manipulations are not sustainable. Don't be the one caught holding the hot potato.
    Originally Posted by mr.left hook View Post
    this...
    Originally Posted by adamsz View Post
    Wait for market crash in next couple years
    Dump into vanguard index funds
    ????
    Profit
    JUST LMAO AT WAITING FOR A MARKET CRASH AND LMAO AT MARKET TIMING


    OP stop being a phaggot, do yourself a favor and a read a book or two about investing.
    ayy lmao
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  13. #13
    test the limits RobParks2M's Avatar
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    Originally Posted by lockdev View Post
    This.

    Please, for the the love of fak, do not listen to the "can't time the market" guys on this one. That's normally great advice for a normal market, but the market is beyond manipulated with long-term low-interest rates and the buybacks that both the rates and government policy has enabled. These kinds of manipulations are not sustainable. Don't be the one caught holding the hot potato.
    "Not sustainable" So you mean to tell me that when there is an extreme overabundance of money the best thing to do is sit with a ton of paper money? Keep 6 months worth of money cash to sustain current lifestyle + obligations then leverage to the max. Government policy is pushing asset valuations sky high and as long as they keep rates low it will stay that way. Obviously it will all come crashing down at some point, but ride it to the top at least.
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  14. #14
    Forever aBOARD guest89's Avatar
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    Originally Posted by RobParks2M View Post
    "Not sustainable" So you mean to tell me that when there is an extreme overabundance of money the best thing to do is sit with a ton of paper money? Keep 6 months worth of money cash to sustain current lifestyle + obligations then leverage to the max. Government policy is pushing asset valuations sky high and as long as they keep rates low it will stay that way. Obviously it will all come crashing down at some point, but ride it to the top at least.

    What happens if it stabilizes where its at and never crashes? The real estate markets are really over inflated on the East and West coast and maybe certain areas in Florida. But as much as poor people complain and middle class leave. There are still ultra rich in those areas that will pay those prices. The stock market will have down-turns yes. But over time it will always come back.



    I don't think a major bubble/recession/crash is coming any time soon. And if you watch what wealthy people are doing it doesn't seem like they do either. Minor corrections sure. Major? not so much.
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  15. #15
    test the limits RobParks2M's Avatar
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    Originally Posted by guest89 View Post
    What happens if it stabilizes where its at and never crashes? The real estate markets are really over inflated on the East and West coast and maybe certain areas in Florida. But as much as poor people complain and middle class leave. There are still ultra rich in those areas that will pay those prices. The stock market will have down-turns yes. But over time it will always come back.



    I don't think a major bubble/recession/crash is coming any time soon. And if you watch what wealthy people are doing it doesn't seem like they do either. Minor corrections sure. Major? not so much.
    Markets are cyclical- it is a certainty that they will crash eventually. Which is why I suggest at least getting in for awhile. I don't recommend going all in, but at least have some skin in the game.
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    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
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    Originally Posted by adamsz View Post
    Wait for market crash in next couple years
    Dump into vanguard index funds
    ????
    Profit
    Originally Posted by mr.left hook View Post
    this...
    Originally Posted by lockdev View Post
    This.

    Please, for the the love of fak, do not listen to the "can't time the market" guys on this one. That's normally great advice for a normal market, but the market is beyond manipulated with long-term low-interest rates and the buybacks that both the rates and government policy has enabled. These kinds of manipulations are not sustainable. Don't be the one caught holding the hot potato.
    Fukkin lol at the chit advice here. I was just talking about how awful this subforum is for financial advice and then see this absolute nonsense.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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  17. #17
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    If you are looking at putting a chunk of that money into the market, I'd suggest looking at some ETF's. All depending on your age of course.

    IUSG - iShares Core S&P U.S. Growth ETF
    IVV - iShares Core S&P 500 ETF

    I use iShares because my brokerage doesn't charge the usual $5 comission to buy and sell them like they would for other ETF's like Vanguard.

    But it's all relative, at the end of the day you should talk to a professional about this stuff lol.
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    Any etf that tracks the major indexes. Reinvest all dividends and keep investing more every year.
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    I am in a similar position as this guy.

    I already have my IRA maxed for the year, 30K in VTIAX and VTSAX.

    I still have roughly about 80K overall in savings as cash. I am 34. Would you guys recommend dumping the rest into VTIAX and VTSAX (90% US 10% International), or should I go 3-fund and buy some bonds? Is it worth putting cash in a simple savings that gives 2.5%?

    I assume I should keep like 20K within my account for emergency. Just always seems scary to put all of it into a portfolio.

    Any advice is welcome.
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    Originally Posted by thugonomics View Post
    I am in a similar position as this guy.

    I already have my IRA maxed for the year, 30K in VTIAX and VTSAX.

    I still have roughly about 80K overall in savings as cash. I am 34. Would you guys recommend dumping the rest into VTIAX and VTSAX (90% US 10% International), or should I go 3-fund and buy some bonds? Is it worth putting cash in a simple savings that gives 2.5%?

    I assume I should keep like 20K within my account for emergency. Just always seems scary to put all of it into a portfolio.

    Any advice is welcome.
    It depends on your risk tolerance, standard for your age would be anywhere from 10-30% in VBTLX (or muni bonds if you're a high marginal tax rate). And I recommend 20-30% of equities in INTL index.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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    Registered User thugonomics's Avatar
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    Originally Posted by Luc1fer View Post
    It depends on your risk tolerance, standard for your age would be anywhere from 10-30% in VBTLX (or muni bonds if you're a high marginal tax rate). And I recommend 20-30% of equities in INTL index.
    Makes sense, what your'e saying is in line with what I think I've been reading, just the confirmation bias helps.

    I am not looking to do anything too crazy, just a sound easy investment strategy like a 2 or 3 fund portfolio. I have a few thousand in some general stocks like BABA VISA and PAYPAL who are generally strong stocks to hold.

    Would you allocate anything to just sit in a general savings AT LIKE 2.36% (current Citibank offerings) or just put the remaining investment cash outside of my standard fund in my checking into VBTLX, VTIAX, and VTSAX?
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    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
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    Originally Posted by thugonomics View Post
    Makes sense, what your'e saying is in line with what I think I've been reading, just the confirmation bias helps.

    I am not looking to do anything too crazy, just a sound easy investment strategy like a 2 or 3 fund portfolio. I have a few thousand in some general stocks like BABA VISA and PAYPAL who are generally strong stocks to hold.

    Would you allocate anything to just sit in a general savings AT LIKE 2.36% (current Citibank offerings) or just put the remaining investment cash outside of my standard fund in my checking into VBTLX, VTIAX, and VTSAX?
    So, let's say you're comfortable with an 80/20 split.
    - 60% VTSAX
    - 20% VTIAX
    - 20% VBTLX

    The other individual stocks you hold should just be "for fun", they won't provide an optimal risk/reward. And really should not be >10% of your overall portfolio due to volatility. I also hold some individual stocks for play/excitement/opportunity to beat the SP500, but not for optimal investment.

    Your EF should go into an online savings bank, like Ally or Marcus. I also tend to keep ~$10k in my checking, so $20k total.

    This is why you should hold some bonds btw, I referenced risk/reward above but it's an important concept to understand. Read up on the Efficient Frontier:

    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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  23. #23
    Registered User thugonomics's Avatar
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    Originally Posted by Luc1fer View Post
    So, let's say you're comfortable with an 80/20 split.
    - 60% VTSAX
    - 20% VTIAX
    - 20% VBTLX

    The other individual stocks you hold should just be "for fun", they won't provide an optimal risk/reward. And really should not be >10% of your overall portfolio due to volatility. I also hold some individual stocks for play/excitement/opportunity to beat the SP500, but not for optimal investment.

    Your EF should go into an online savings bank, like Ally or Marcus. I also tend to keep ~$10k in my checking, so $20k total.

    This is why you should hold some bonds btw, I referenced risk/reward above but it's an important concept to understand. Read up on the Efficient Frontier:

    Sound advice, I wish I could tip you or give you something other than garbage green reps on a forum. Thanks for all the input!

    2 last questions:

    1. So for the remaining cash I invest, when should i do it? should i spread out it out over the remaining year or should i just go and drop it now? I know we joked about market dips, but its a valid question.
    2. Any reason for Ally or Marcus over Citibank? Has a high rate, big bank, seems OK.
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    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
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    Originally Posted by thugonomics View Post
    Sound advice, I wish I could tip you or give you something other than garbage green reps on a forum. Thanks for all the input!

    2 last questions:

    1. So for the remaining cash I invest, when should i do it? should i spread out it out over the remaining year or should i just go and drop it now? I know we joked about market dips, but its a valid question.
    2. Any reason for Ally or Marcus over Citibank? Has a high rate, big bank, seems OK.
    1. Theoretically the best thing to do is just invest it all tomorrow. Often people DCA in an attempt to minimize variance e.g. split it over a year or more. However, I recommend the former, since nobody can time the market (except miscers of course). Imagine you DCA in for 2 years, the market keeps moving up, and then it corrects hard at the end of the 2 years...

    2. No reason, just pick one.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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    We are currently in the longest business cycle in history and people are telling you to invest right now. If we were a few years into a new business cycle sure just invest but now?

    Personally this seems like a very bad time to invest. A correction will come and it shouldn't be too far away. I say wait.
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    Originally Posted by Bar182 View Post
    We are currently in the longest business cycle in history and people are telling you to invest right now. If we were a few years into a new business cycle sure just invest but now?

    Personally this seems like a very bad time to invest. A correction will come and it shouldn't be too far away. I say wait.
    People have been saying this for years. The correction will happen, but for all you know it’ll happen in 2023 and correct to 2020 levels.

    If you’re pretty confident that the market will dump below current levels, there are reverse SP500 ETFs you can invest in to make money off a correction.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
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    Don't listen to these pussies brah

    Put it in BTC/gold, they will skyrocket during the coming recession.
    BTC pumped 1000$ yesterday while stock markets tanked.
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    Originally Posted by guest89 View Post
    How many million do you have liquid and/or in the market?


    Wealthy people that have built wealth in the market are still investing/holding. And other wealthy people that own real estate/business(es) are still putting money into the market/holding. Same thing goes for real estate. REI's are still buying all the property they can get their hands on. Meanwhile internet experts are saying real estate is in a bubble and not to buy and wait for the crash...



    Simple truth is if he invests his money now in mutual funds/index funds and continuously invests it. He'll build more wealth then if he sits on his money and attempts to buy after a 'market correction.' FYI even real estate guys that are trying to mass large sums of cash to make down-payments on property park their money in index funds until they find a property they want to buy.


    I have a hard time believing internet experts know more then multi-millionaires in those markets/industry's.
    Great post

    Every "Do not try to time the market" guy is a broke jimmy peasant fukk with a net worth of less than 1 million, guaranteed
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    I am going to go to a stock broker who do you guys recommend Charles Schwab or Vanguard? The Schwab Brokerages have local offices but Vanguard would only be online or over the phone.
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    Originally Posted by Luc1fer View Post
    People have been saying this for years. The correction will happen, but for all you know it’ll happen in 2023 and correct to 2020 levels.

    If you’re pretty confident that the market will dump below current levels, there are reverse SP500 ETFs you can invest in to make money off a correction.
    "People have been saying this for years"

    The business cycle became the longest in history last month mate.
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