Finances don't feel right......

[chardog]

Aside from inflation and gas thrashing our wallets, I've been having a gut feeling that my finances are wrong.

For the sake of argument, would you feel right if you had a large sum of money in the stock market? It's doing well, but something is unsettling about having said money in the market, on top of retirement accounts.

Some reason, it feels like physical investments need more attention? Lets say you had millions in the stock market and it was producing good yields, would you kill a good thing, or part of it, and move to real estate/business investments? apologize if the topic is too heavy.

 

[Flower2dPeople]

 

[Get To Da Choppa]

Aside from inflation and gas thrashing our wallets, I've been having a gut feeling that my finances are wrong.

For the sake of argument, would you feel right if you had a large sum of money in the stock market? It's doing well, but something is unsettling about having said money in the market, on top of retirement accounts.

Some reason, it feels like physical investments need more attention? Lets say you had millions in the stock market and it was producing good yields, would you kill a good thing, or part of it, and move to real estate/business investments? apologize if the topic is too heavy.

The best advice I can give you is to go big on Dogecoin. If you are feeling a bit more conservative just put some in bitcoin

 

[HARRISON_3]

Have you tried intermittent fasting?

 

[Quadtavius Tuck]

I would go all in on $BONK

 

[Plutoburn]

I don't have anything in stocks that I would lose sleep over if I lost it all.

The thing is, the more established you're financially, the more you need to diversify. But some people take it to mean buy stocks in different industries when it mean different forms of investment in different industries. I am renting out properties for businesses/storage/parking, have stocks (mostly high yield etfs), savings insurance, high interest savings account, and I'm thinking of getting into gold/palladium, but still learning about investing it at the moment. I don't do finances by feel, because it's very easy to get down to the path of gambling if you do.

 

[Jack Reacheround]

Some reason, it feels like physical investments need more attention? Lets say you had millions in the stock market and it was producing good yields, would you kill a good thing, or part of it, and move to real estate/business investments? apologize if the topic is too heavy.

If you won a bunch of money at the casino, would you let it ride or cash out? That’s all the stock market is. It’s a casino. Except it’s more insidious because it’s like a casino that loads the dice and only certain people on Wall st are told which dice are loaded and when.

Yeah, you may miss out on some opportunities if you cash out. But that’s better than losing it all when the economy takes a turn. That will happen eventually. The question is when.

 

[humperdoo]

real estate has no liquidity these days. you best believe in BTC right now. its the hottest that even traditional institutions like Blackrock investment management company are up to it.

 

[chardog]

The best advice I can give you is to go big on Dogecoin. If you are feeling a bit more conservative just put some in bitcoin

I went in on this on a whim back when it was 13, we going to sink or swim together

 

[TeTe]

You put some in CDs and lock in 5 percent plus yield until the fed cuts rates. Chances are they'll have to cut when the economy really starts to slow, which means stock market will shit the bed. When it does, buy back into the market.

 

[chardog]

If you won a bunch of money at the casino, would you let it ride or cash out? That’s all the stock market is. It’s a casino. Except it’s more insidious because it’s like a casino that loads the dice and only certain people on Wall st are told which dice are loaded and when.

Yeah, you may miss out on some opportunities if you cash out. But that’s better than losing it all when the economy takes a turn. That will happen eventually. The question is when.

That is kind of the gist of this thread, not that im calling it a casino, but it doesn’t feel so good even if i take profits then move around. Having a lump of cash not in some investment, not quite enough to buy a home outright is kind of lame too….

 

[Cid]

Low key humble brag about having millions in the market...


Yes you should probably have a diversified portfolio.

 

[Jack Reacheround]

That is kind of the gist of this thread, not that im calling it a casino, but it doesn’t feel so good even if i take profits then move around. Having a lump of cash not in some investment, not quite enough to buy a home outright is kind of lame too….

There are lower risk investments you can make. Of course they’re lower interest too. But you still earn interest. Like a CD account.

And if you absolutely must invest in the stock market, bet on the whole market and not individual stocks. Put it in an index fund if you can. Of course, the secret is out on those and idk if any financial services even offer those anymore. I tried that, and they just said, “We can do something like an index fund.”

 

[Cid]

If you won a bunch of money at the casino, would you let it ride or cash out? That’s all the stock market is. It’s a casino. Except it’s more insidious because it’s like a casino that loads the dice and only certain people on Wall st are told which dice are loaded and when.

Yeah, you may miss out on some opportunities if you cash out. But that’s better than losing it all when the economy takes a turn. That will happen eventually. The question is when.

Wall st is pretty shit at beating the market statistically. It's why ETF's are so popular.

Politicians on the other hand...

 

[Michaelangelo]

You put some in CDs and lock in 5 percent plus yield until the fed cuts rates. Chances are they'll have to cut when the economy really starts to slow, which means stock market will shit the bed. When it does, buy back into the market.

Solana staking imo

 

[Jack Reacheround]

Wall st is pretty shit at beating the market statistically. It's why ETF's are so popular.

Politicians on the other hand...

Yeah. That’s why they will never vote for legislation that prevents them from trading stocks. They’re all dirty in that respect. Hell, it’s so ingrained that when Pelosi’s old ass was asked about such legislation, she asked “Why would we do that?”
She just assumes it’s one of the perks of being a congressman, that you get to do insider trading.

 

[Osculater]

We should make our own Sherdoggy Doge coins and profit!

 

[humperdoo]

Solana staking imo

That needs a lot of capital since SOL is already too high compared to some tokens despite the current dip. Cardano (ADA) seems cheaper.

 

[Cid]

You might want to tweak the values to adjust risk to your liking but the golden butterfly portfolio has historically performed very well. Largely because Small Cap Value is like a hack to stay in the stock market while not being in the stock market... still though site is worth a look around.

Golden Butterfly Portfolio – Portfolio Charts

Asset allocation, investing theory, and historical data for the Golden Butterfly Portfolio by Portfolio Charts

portfoliocharts.com

 

[Cid]

There are lower risk investments you can make. Of course they’re lower interest too. But you still earn interest. Like a CD account.

And if you absolutely must invest in the stock market, bet on the whole market and not individual stocks. Put it in an index fund if you can. Of course, the secret is out on those and idk if any financial services even offer those anymore. I tried that, and they just said, “We can do something like an index fund.”

You can't just buy them over the stock exchange?

I'm not American but that's all i do. Pump most my money into vanguard total US stock market ETF because Americans hate unions and corporations paying taxes

Also much lower dividends than my country ETF allows me to postpone a substantial portion of tax on gains each year for decades.