Author Topic: Investing and personal finance  (Read 185629 times)

FitnessFrenzy

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Re: Investing and personal finance
« Reply #225 on: January 03, 2020, 08:15:35 AM »

IroNat

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Re: Investing and personal finance
« Reply #226 on: January 03, 2020, 02:55:24 PM »
by critical mass, do you mean an amount of money where you can live off your investments?

When your investments become so large they grow faster than you can spend it.

Of course you have to use common sense with spending.

The less you spend, the less investments you need.

FitnessFrenzy

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Re: Investing and personal finance
« Reply #227 on: January 05, 2020, 01:26:39 AM »

IroNat

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Re: Investing and personal finance
« Reply #228 on: January 05, 2020, 05:01:23 AM »
Ramsey gives some good advices but he pushes his expensive loaded mutual funds.

He can't be trusted.

Want good advices?  Go here:

https://www.bogleheads.org/wiki/Main_Page

FitnessFrenzy

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Re: Investing and personal finance
« Reply #229 on: January 07, 2020, 03:03:42 AM »
Ramsey gives some good advices but he pushes his expensive loaded mutual funds.

He can't be trusted.

Want good advices?  Go here:

https://www.bogleheads.org/wiki/Main_Page


what do you invest in personally right now?

I am heavily into cheap 50% stock and 50% bond funds.

IroNat

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Re: Investing and personal finance
« Reply #230 on: January 07, 2020, 03:52:19 AM »
what do you invest in personally right now?

I am heavily into cheap 50% stock and 50% bond funds.

Approx. 70% total U.S. equity index funds, 15% total bond market index funds, 15% cash in money market funds.

Very boring.




Montague

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Re: Investing and personal finance
« Reply #231 on: January 07, 2020, 03:32:58 PM »
what do you invest in personally right now?

I am heavily into cheap 50% stock and 50% bond funds.


Is your investment plan strategy-based, or more of a "shoot-from-the-hip" kind of thing?

FitnessFrenzy

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Re: Investing and personal finance
« Reply #232 on: January 11, 2020, 02:59:34 AM »
Is your investment plan strategy-based, or more of a "shoot-from-the-hip" kind of thing?

My investment plan is mainly strategy based. I don't like the swings of having 100% stocks. It makes it hard for me to sleep at night having that kind of risk. I might make more money by having 100% stocks, but it is too emotionally draining for me when the market is going down a lot, like it was the case in november and december 2019.

My previous response was however not a complete picture of my holdings.

I have some real estate investments and I also have some investments in consumer loan portfolios, which is generating around 11% return annually.

FitnessFrenzy

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Re: Investing and personal finance
« Reply #233 on: January 18, 2020, 01:39:28 AM »

Montague

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Re: Investing and personal finance
« Reply #234 on: January 19, 2020, 06:45:59 AM »
My investment plan is mainly strategy based. I don't like the swings of having 100% stocks. It makes it hard for me to sleep at night having that kind of risk. I might make more money by having 100% stocks, but it is too emotionally draining for me when the market is going down a lot, like it was the case in november and december 2019.

My previous response was however not a complete picture of my holdings.

I have some real estate investments and I also have some investments in consumer loan portfolios, which is generating around 11% return annually.


Thanks for the reply.

I've encountered lots of recent recommendations from leading investment advisors that incorporate dividing asset allocations by risk. Tony Robbins frequently features input from Ray Dalio of Bridgewater Associates, who takes his "formula" a bit further by considering the inverse relationship certain stimulus have on different investment products, like stocks and bonds.

It was interesting reading.

IroNat

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Re: Investing and personal finance
« Reply #235 on: January 20, 2020, 04:09:53 AM »

FitnessFrenzy

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Re: Investing and personal finance
« Reply #236 on: January 25, 2020, 02:47:28 AM »
IroNat look at this:


"Tech fund flows hit record high"




IroNat

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Re: Investing and personal finance
« Reply #237 on: January 25, 2020, 07:28:09 AM »
I've learned that whatever I think I know about market movements, a zillion other people also know, making what I know useless.

None of us are on the inside.  We get "late" information.  Useless for those think they are playing the market.  The market is playing them.

"Nobody knows nothin'." -- John Bogle

I do follow this just for general comparison purposes: https://www.multpl.com

Particularly the PE ratios, both S&P actual and the Shiller.

The height at May 2009 is startling.  Just unbelievable!  :o

The thing that is driving the market to current heights is quite simple.  There is no alternative.

Interest rates are so low that investors who seek any kind of return must risk being in equities.

The only reason to buy bonds or hold cash is for safety purposes.

As long as interest rates remain extremely low the market will be supported by inflows from investors.

There will be wild swings now and then of course.

Just my worthless opinion.

sync pulse

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Re: Investing and personal finance
« Reply #238 on: January 26, 2020, 03:33:24 AM »
The Tip...


IroNat

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Re: Investing and personal finance
« Reply #239 on: January 27, 2020, 03:52:09 AM »

Purge_WTF

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Re: Investing and personal finance
« Reply #240 on: February 01, 2020, 03:25:57 AM »
"Bonds look like they are flashing a warning for global markets."

https://www.cnbc.com/2020/01/24/bonds-look-like-they-are-flashing-a-warning-for-global-markets.html

 I don't imagine that the whole Corona virus panic will help. Markets and city streets in the far East are ghost towns.

Montague

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Re: Investing and personal finance
« Reply #241 on: February 01, 2020, 04:04:21 AM »
I don't imagine that the whole Corona virus panic will help. Markets and city streets in the far East are ghost towns.


Seems all the "market expert" articles I read are all over the place with this: including trillion-dollar hedge fund directors.

The coronavirus nature is a bit different from the past several epidemics in recent history. It's not as deadly, but more easily contracted. There's still debate if the World Health Organization will declare a global state of emergency.

I believe that the virus is certainly playing "a" factor, but I think the factor has yet to be definitively identified.

FitnessFrenzy

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Re: Investing and personal finance
« Reply #242 on: February 02, 2020, 04:05:52 AM »

Montague

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Re: Investing and personal finance
« Reply #243 on: February 05, 2020, 06:32:24 AM »
I don't imagine that the whole Corona virus panic will help. Markets and city streets in the far East are ghost towns.


Futures spiked early this morning due to the news of progress in finding a cure for the virus.

FitnessFrenzy

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Re: Investing and personal finance
« Reply #244 on: February 07, 2020, 01:02:41 AM »
I don't imagine that the whole Corona virus panic will help. Markets and city streets in the far East are ghost towns.

You are correct. This is a big unknown right now. We have yet to see how it will evolve further.

FitnessFrenzy

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Re: Investing and personal finance
« Reply #245 on: February 15, 2020, 06:41:37 AM »

FitnessFrenzy

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Re: Investing and personal finance
« Reply #246 on: February 16, 2020, 02:34:58 AM »

IroNat

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Re: Investing and personal finance
« Reply #247 on: February 16, 2020, 05:42:25 AM »
U.S. household debt hits record high of $14.15 trillion

https://money.yahoo.com/us-household-debt-hits-record-high-143940395.html?.tsrc=bell-brknews

'The report, based on “a nationally representative sample of individual- and household-level debt and credit records drawn from anonymized Equifax credit data,” noted that total household debt is now nominally $1.5 trillion higher than the pre-recession peak of $12.68 trillion in the third quarter of 2008.'

FitnessFrenzy

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Re: Investing and personal finance
« Reply #248 on: February 21, 2020, 11:55:02 PM »

Irongrip400

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Re: Investing and personal finance
« Reply #249 on: February 22, 2020, 07:22:48 AM »
I don’t even really know what my money is invested in, I leave that to my folks at BB&T. I’m 38, nowhere near retirement so I don’t watch it too much. This past year I made some money. I put in almost $27,000 and made an additional $33,000. So it’s worth $60k more at 2019 year end than 2018 year end. It’s not enough to live or draw off of, so I really don’t pay attention to it. I had some money I put in back in 2000 when my grandfather died, and I watch it grow by a third in the first year then die with the dot com bubble burst. It took eight years for it to get back to what it was when I put it in so I cashed out and used it as a down payment on a house. I started from scratch January 2008.