1. Do any other countries offer a very safe, high-yield investment like "I Bonds" which Americans can buy?

  2. I recently sold 2 properties and have over 750g in savings. I want to turn it into 1mil after I pay capital gains. Any advice other than bet on 18black?

  3. Im 16, and I want to learn to invest, stock market, crypto, real estate, all of it etc, but I don't know where to start. Can you recommend a YouTube series, free course or some books. I would really appreciate it thank you.

  4. I'd recommend "The Psychology of Money" by Housel and some book by Bernstein - my usual suggestion is "The Four Pillars of Investing", but his "Young Investors" series is more up-to-date and might be up your alley.

  5. How long is the bear market anticipated to last? And what sources should I be looking at for this information? Contemplating selling most of my shares till it bottoms out and buying again.

  6. Should I invest in VT or VTI/VXUS in my IRA and HSA? I am past the income limit for my IRA so I am stuck with whatever amount I have in there. VTI/VXUS might require rebalancing whereas VT is autopilot. Similar with HSA, I might not always have a high-deductable plan so I don't want to have to deal with rebalancing my VTi/VXUS shares. Should I sell my VTI/VXUS and just buy VT and call it a day?

  7. I quit my job last month in order to focus on developing my own business full time. I live at home with my family so my costs are incredibly low, and I have about $160,000 saved up. I’m 25 years old, no real financial responsibilities to worry about other than my business but the costs are relatively low. Rather than just have my money sit in my bank account, I would like to invest about $100,000 of my savings. I’ve calculated that $60,000 of my savings would take care of my personal and business expenses for the next 2 years while my investments have time to appreciate. I am planning to invest the $100,000 evenly in ETF’s (XOP, VTWO, XME, DBA, REZ). Those ETF’s are each in different industries and I keep hearing it’s key to diversify when investing, they all have performed well during 2021 (which I know doesn’t necessarily mean they’ll do well in the future). I plan to hold my investments for At least a year, hopefully much longer, and I want to invest in a set it and forget it style. I’ve also read that Deutsche bank amongst others are predicting a massive recession in 2023, so I am also thinking I might be better off waiting in order to buy ETF’s while they’re low during that time (I know there are no guarantees in investing and especially when it comes to predicting global recessions). Any advice at all is greatly appreciated as I am new to investing, thanks!

  8. I work on a farm and invest in stocks. The average Berkshire pig we wholesale for $1000-$2000 which in turn, I buy SPY. Recently I’ve been getting about 4 shares per pig. Now that is a solid SPDR pig ratio

  9. you could get slaughtered with a fed relief rally if the hike is only 50bps. A sell the rumor today, buy the news wednesday situation.

  10. Hello, hoping you could settle a disagreement I have with a friend over credit union investment management fees. My friend opened an investment account and the credit union provides a portfolio of ESG mutual funds. The credit union charges at least 1.5% to manage to portfolio (the annual rate wasn't listed anywhere, I just saw at this much taken out over the handful of statements I saw). I've told my friend they should take the money out of the credit union and just invest directly into the mutual funds in the portfolio themselves so they're not charged this fee. My friend counters that the credit union manages the portfolio for the best investments, but from what I've seen, the mutual funds have not changed in two years. Is there any benefit to keeping the money in this portfolio or are they better off just investing directly in the mutual funds on their own? I feel like they're getting ripped off a bit here, but maybe there is some benefit for them if they are a novice investor?

  11. Do you both live in the United States? They would be far, far better off putting the money into a brokerage like Vanguard or Schwab and then investing into a low cost total market index fund. Costs can absolutely destroy long term returns, and actively managed portfolios perform worse than index funds.

  12. I work at a big company (not Facebook or Netflix) and have accidentally allowed 50k in RSUs to vest. With the current market downturn, should I wait to sell? Not sure if I should wait until tech reaches all time highs again?

  13. Sell and reinvest. Don't overthink it. The only reason you might want to wait would be if you had significant gains from vesting time and you could wait until the 1-year mark for long-term gains. But I'm assuming that's not the case.

  14. Keep it in cash in case layoffs get you. Your sector is about to get clocked and not everyone will survive. When an industry has 90%+ value locked up in the TV, interest rate hikes hit you the hardest. Good luck

  15. I still have a pretty sizeable cash pile and I’m thinking about buying a 10k I -Bond for my wife and myself. Obviously, that’s less money to invest in the market but it might be a good way to diversify when everything else is poop.

  16. It is a good idea. Unfortunately, you have to pay taxes on the interest when you sell so you are not really keeping up with inflation.

  17. Shake-up time, hold on to your butts. Very glad that when I retired, I started divesting in the market so that now only 12% of portfolio is still in stocks. The average bear market lasts around 1,5 years, but from peak to trough to a new all-time high it takes 4,5 years on average. Meanwhile I'll see if I can improve on our fixed income. Many youngers are gonna learn all about risk, but on the bright side they have a chance to buy at lower valuations!

  18. I’ve got so much money that I’ve put into VTSAX over the years and I feel like I’m just watching it disappear before my eyes. Is there anything I should be doing to hedge this or something? Do I pull out? It sucks cuz I just paid so much in taxes on this account after such a great 2021. Now it’s like im getting double fucked as the money I just paid taxes on is gone

  19. I am 22. Live in Texas and have Brazilian citizenship as well. I have 5 thousand dollars to invest. Whats something you would invest in if you were me? I have invested in crypto and stocks before as well as options. I am willing to hold in the long term 1+ year depending on the investment. I don’t really have debt except whatever I spend on a monthly basis which is about $150 or less. This money is not a checking account it’s more of a savings account or if I end up in jail I have a fund my friends can use to bail me out.

  20. Index fund market wide like SPY. Don’t do individual securities because frankly you’re a green investor and more than likely have no idea what you’re doing (no disrespect). Invest 200$ a week into market index funds for the next 25 weeks and ride the wave no matter what the market does.

  21. Hi I'm 19 and live in Europe. I have absolutely no experience in investing but I want to at least try it. I know that at this point in time the financial landscape is very chaotic and a recession is unavoidable so maybe that's not the best moment to look into it. I don't have a big budget but I also don't expect to make significant profits, I just want to see how it all functions. How do I even invest in stocks? Do I have to buy them through third party which then holds my stocks? Can I liquidate my investments at any time or do I have to constraint to a minimum wait period or something like that? Is there a strategy to all of this other than buying low, selling high and generally watching the activity of the companies I'm interested in?

  22. Start with the basics in the side bar. Read some of the recommended material and come back if you have any specific questions. There are some great books and YouTube channels that will cover what you're asking.

  23. do not buy a house now. literally the worst time to buy. We're at the begining stages of a serious shakeup in real estate. High interest rates, increasing supply, and a serious bubble mentality the last 2 years in housing. Stay home, watch the market, wait 6 months and then reasses.

  24. Do other countries offer a very safe, high-yield investment like "I Bonds" which Americans can buy?

  25. trying to determine something similar. When I look at pandemic lows it still seems like a long way down. I think the best and most conservative thing to do is consistent buys. Put 20% of your money in now, if it falls 5% put 20% more in, 5% more 20% in and so on.

  26. hypothetically it is a better time than it has been recently, though there is a lot of uncertainty in the market. in my opinion you should keep your eye on Apple. when it gets near $92 toss your money into VTI and hope for the best. this is only an opinion. it is ok if you or others disagree. your other option is to spread out your buys, I would not do it all at once currently. i also told this to people when VOO was in the 380s range and was downvoted by the ‘time in the market’ individuals. so be careful who you listen to on this subreddit.

  27. I'm adding to managed futures and long/short funds if that's any indication of my view. As much as I'd like to be optimistic about the market I see little reason to be. Hopefully I'm wrong. (shrug.)

  28. Where can I find historical data on the press releases that come along with the credit ratings? Specifically for S&P, Moody's and Fitch. I can't seem to find it anywhere! Does anyone know? It's (unironically) for academic purposes.

  29. Just invest in SWPPX it is the Schwab S&P500 mutual fund , TDA should have access to it as they are owned by Schwab.

  30. Hello, I’m a 28 year old man living in America. I currently have 10k invested in my 401k. With the recent stock market decline I was thinking that as someone who is young, now is a good time to get into the market. I have the money in my 401k, but I am wondering if I’d be a good idea to withdraw that money and place it directly into the stock market with the hope of larger returns.

  31. A 401k plan is just a pre-tax retirement account orchestrated by your employer that helps you invest into the stock or bond market. Usually with reliable index mutual funds or Target Date funds. The employer gets some tax relief for doing this and matching your contributions to a certain limit (usually 3% match). The biggest weakness with a 401k is your employer chooses the funds. You have a limited choice.

  32. At 28, I would be dumping more money into your 401k not less. Roughly speaking, you should have about 1 year's salary in retirement savings to be on track for retirement.

  33. I'm not sure you understand what a 401k is, or what the stock market is. A 401k is simply an account, you make investments within it, typically various mutual funds offered by your company. You cannot place money "directly into the stock market", unless what you mean by that is buying individual stocks, which is not recommended. You can keep your money in the 401k and still have it invested in equities.

  34. Presumably at your age the 401k is invested in market. Makes no sense to withdraw from your 401k, take a penalty, only to invest in the same market. Keep that money invested and continue to contribute to your 401k so it can grow and compound until you retire. Make sure you’re maximizing any company match you might have.

  35. ETH is worth about six times what it was in 2019, so you have certainly made money on those earlier purchases. Any purchases after about Jan 2021 are now underwater.

  36. I have an increasing amount of concerns about crypto broadly, but you bought into a peak for something that was hot and now the market environment has changed, crypto seems to have more issues by the day and you're still putting money into it. The beginning of the end of the sort of "risk on" crypto environment was Feb 2021 and this year it has become progressively worse. This is a time to own very profitable, very high quality, in many cases boring assets and even those are "I'm still going to lose but lose less" in a lot of cases. Crypto is definitely not the place to be in this environment and I don't really see that changing in the foreseeable future. Even if there was a turn around in risk assets (which, as much as I'd like to see happen I don't have any reason to be optimistic about for the foreseeable future) it would not surprise me if a lot of crypto and some of the lowest quality aggressive growth stuff (SPCE, etc) gets left behind. The sort of "growth stocks only go up" environment of 2020/early 2021 is not coming back anytime soon imo.

  37. You are blindly buying something you don't understand, is extremely volatile with aspects of being a Ponzi scheme, and not keeping records to know how you are doing.

  38. What app are you using that doesn’t show your total unrealized gain/loss? Having one full coin should not matter at all for tracking your success. You are losing money - and since you asked - yes, you sound pretty dumb, like you can’t do basic math, and like you’re playing with something you know nothing about and losing your life savings in the process.

  39. As far as interactive brokers go, you can set up something like an 'emergency contact' whom they will contact if you go AWOL.

  40. I'm in the US, not the EU, so I can't speak specifically for your region. Here in the US we have the SIPC, which is the securities equivalent to the FDIC that insures bank deposits; most brokerages also have additional insurance that would cover you beyond the standard $500K that the SIPC does.

  41. Time to buy! “Be fearful when others are greedy, and be greedy only when others are fearful.” Buffet

  42. See how all stocks, good or bad, are tanking in unison? That's the "low cost index fund" bubble unraveling in action. The pigs who believed in the fairy tale of "low risk diversified guaranteed 7% market return" are getting slaughtered now.

  43. So where do you think people should put their money, if you don't believe in a rising long-term productivity curve, beans and bullets?

  44. ? Bogleheads know the difference between short term declines and long term trends. The whole point is to buy and hold and not panic based on headlines. Read more and learn about it so you can criticize it without looking foolish.

  45. I’ve been down this road and settled on VT. It’s not the answer I think you’re looking for, but it fit my risk profile and time horizon.

  46. I don't believe that average investors are allowed to buy directly on the China markets and Chinese ADRs are structured as VIEs (which hasn't been an issue yet, but the risk has become more of a concern in the last year given geopolitics.) The Matthews funds are the actively managed choice if I were to invest in China (not intending to personally, but if I were) and they have everything from more aggressive growth funds to more conservative (well, for an EM fund) funds like MAPIX/MASCX.

  47. It may be nigh impossible to speculate for the average investor, but does the current presidency/administration/policies have anything to do with the current state of the market?

  48. Instead of trying to answer the question of does the current administration have anything to do with the current market, let's have a thought experiment instead because it's much less politically divisive and can be fact-based rather than bringing a team sports mentality in.

  49. This is an extremely complicated, and extremely politically charged question. I'd say you're unlikely to get a substantive discussion here, but I'm not sure you're likely to get one anywhere right now.

  50. No shit. They killed oil and gas leading to inflation and they printed a ton of money in covid stimmies when it wasn't really needed to drive inflation.

  51. Are you not paying attention? Gas is $5.00, food is up the wazoo. Consumers aren't spending. We are going into a recession. Don't invest unless you have a long-term horizon (2-3 years plus).

  52. Time in the market is better than timing the market. Just stay the course and keep dollar-cost averaging. This is what I'm trying to do.

  53. How long does it take for money transferred out of a Vanguard settlement account to land in a bank account? I confirmed the transfer on Friday before trading stopped.

  54. If you mean an ACH transfer to an external (not Vanguard) bank account, the typical is 3 business days. I would expect a transfer initiated late on Friday to show up as available in my bank account sometime on Wednesday.

  55. I am trying to back-test a low-beta strategy by focusing on sectors typically considered defensive (like Consumer Staples, Healthcare and Utilities) with international diversification. To that end, I am trying to find the oldest sector-specific ex-US mutual funds that invest in

  56. GlaxoSmithKline GSK is going to spin off the consumer health care part, Haleon. If I buy the GSK ADR on the NYSE, what happens when that spinoff happens? Do I end up with foreign shares in the spinoff company?

  57. Hey guys I need help. Currently I am in the middle of my gap year working construction. I am 18 years old and live in Canada (Vancouver BC). I have about $5000 of expendable cash and really don’t know where to start. I earn roughly $1100 every 2 weeks and I want to try and get started making more money sooner than later. My knowledge is very limited so I don’t know what to do or where to start. I’d prefer to invest safely but will risk it if there is a good chance of reward. I am not in need to get money extremely quickly I have time but am trying to get a head start on my possible school payments in the future. I am trying to get started early to further grow my understanding. Can anyone point me in the right direction any advice I can get will help me.

  58. Get a better job and keep saving. Start buying indices after they are down another 10-15% from here and throw in as much as you can every month. Save save save invest invest invest

  59. Would now be a good time to do my annual IRA contribution and buy? I'm in my 30s and this is long-term investing for retirement.

  60. Not advice. I had $3k in my Roth liquid for this reason. Invested $1k today. Now I’ll be watching and waiting a minute.

  61. This doesn't answer your question directly, but I, and many others, did my annual IRA contribution in January, so if you did yours today, you'd definitely be doing better than a lot of us lol.

  62. That's kind of a loaded question. There are numerous styles and strategies for investing. And different strategies for investing using various asset classes that vary depending on your own personal situation, net worth, etc.

  63. Question: are housing prices as sensitive to interest rate changes as REITs are? It seems REITs are more sensitive, but then is this just the result of REITs being more liquid than physical properties?

  64. REITs are also sensitive to sentiment. REITs also can list a lot of demand in recessions if they own any commercial real estate

  65. Some REITs are more sensitive than others w/varying lease lengths + there are a ton of different REIT subsectors all with different fundamentals at any given time. Generally, REITs have done not well into a hiking cycle, but if rates are going up because the economy is actually doing well then they can raise rents and eventually have benefitted.

  66. Vanguard question- I have a company 403(b) with vanguard in a Retirement account. I want to rollover an old 401(k) $8k to a new Vanguard IRA to invest in VTSAX. Do I need to open a new account as an Individual Investor? I am using my retirement account login and it keeps going weird on me. I thought I read on the site that if I already have an account I can use it. Can anyone clarify?

  67. I believe you will need to open an individual account that you can link to your company 401k/403b account; however on these issues it is best to contact the brokerage and clarify the process.

  68. My Roth IRA and 401k are pretty much all in SP500 or target date 2060 portfolios. Have I been a dummy for leaving them like this and making the same contributions? I’m in my late 20s. These are retirement accounts and I obviously don’t need the money right now. Time in market beats timing the etc etc but I can’t help but feel like I should be less passive with these accounts at this time. Anyone in the same boat?

  69. I recommend diversifying with international stocks and bonds, but beyond that keep doing what you’re doing (AKA leave it alone).

  70. With your time horizon you should be thrilled the market is taking a dump - leave them alone, keep putting money in, and enjoy buying on a discount

  71. you absolutely should not be less passive. you don’t need the money for decades. don’t even look at what the market is doing right now, it quite literally doesn’t matter. just keep buying

  72. This should be welcome news for you because now you can DCA and at a much lower cost basis and because you only started a year ago you don't have a lot to lose by a market downturn whereas you have a lot to gain by monthly contributions

  73. I’ve been there (got into the market soon before the 2000 crash). Learn from this experience - remember the behavior you observed in 2021 and watch for it again next time - consider selling next time you see it. DCA is a good strategy for some but it’s not the only way. DCA vs “timing the market” is a false choice.

  74. Were you not aware that stock market investing is a long term adventure? Long term means you may have to wait through ten years to see a gain. The reward for this patience is the possibility of making inflation beating gains.

  75. Anyone who has actually seen recession here, how bad can it get? Isn’t that just a technical term for what we are pretty much already going through?

  76. The simple historic definition of a recession is two quarters of decline in the GDP. It does not factor in stock market losses, inflation or unemployment. The GDP has only declined for one quarter so far. We are not in a recession yet.

  77. We are going through a bear market (stock market only). Recession will mean a pull back in spending (people and corps) and rising unemployment. We have close to full employment right now. So it's kinda closer to stagflation in the late 70s - which was brutal.

  78. It really depends on what you do for a living. And the kind of job you have. I've been through a bunch of recessions, and I was fortunate the impact was very minimal.

  79. 2008 was rough for a lot of people and set the stage for the following decade or so. I worked in the trades then. It was brutal for a few years making ends meet due to lack of hours due to lack of work. However, this could end up being better or worse than that, who knows. A lot of signs indicate it is going to get quite a bit worse until it gets better

  80. not much to talk about these days, asides from pointing out that all the folks who didn't take the most important advice ("don't invest what you need now") are revealing themselves on here every day like clockwork.

  81. It is going to be very hard for them to keep Tesla and Bitcoin at these artificially low prices. When this snaps back the other way it's going to be wild. Betting against technological progress is not a winning move

  82. I realize at some point it will find a bottom and all the bros will come back hard, but the last few months have to put the final stakes in "crypto is an inflation hedge" argument yes? Maybe the next round it will be?

  83. Just to add part of the inflation argument is that crypto is not tied to any economy or central bank "manipulation" like fiat currencies...and yet, crypto is responding in lockstep to central bank moves.

  84. When the business model is "find more and more people to hold the bag", you go with whatever works. "crypto is an inflation hedge" was a compelling statement, because inflation was going up and you can trick more people into "adopting" your coin. Once you haev X number of adopters, it's to their benefit to parrot the line to find 10X adopters and so on, until the music stops.

  85. If you bought it without a defined exit plan (other than asking Reddit strangers what to do) just close it out now and be happy with the profit.

  86. I know things are looking bad, but it's just funny how everyone seems to immediately throw their investing principles out the window on days like these.

  87. How patient are you? I went to a lot of safe div stocks when Dementia Joe kept the oil drilling bans in place and Russia was amassing troops for real. Most are red but they pay me while doing it at least.

  88. Very naive question, but if we know we are going to enter a recession, wouldn't the smart play to cash out for a year and start buying when the fed stops raising rates? Isn't the saying... "Don't fight the fed"?

  89. If we know we are going to enter a recession, the smarter play is to leverage your entire account and buy as many puts as possible. If we know where the market is going, it would be quite easy to 100x your money.

  90. Once you’re out, it’s challenging to find the re-entry point. It might swing up and down for 6 months to 4 years or more. I had a buddy who predicted something like this 2 years ago and was in cash, missed out on 30% gain and jumped back in just in time for this.

  91. How are property taxes affected with inflation? Do they go up because the state government needs more money in high inflation env?

  92. Ignoring inflation for a moment, if the city/county needs a certain amount of money to run the city, and property values go up by 20%, then they would lower the property tax rate in order to get the same revenue. If property values go down, they would increase the rate to get the same revenue. Adding inflation into this, if costs are inflated, they would have to increase rates to increase revenue, assuming no change in property values.

  93. Everywhere I have lived property taxes are set by the county, not the state. Mine has gone up every year, sometimes more, sometimes less. This past assessment and budget year it went up 6.8%. That is the largest increase ever.

  94. Where i am the rate hasn't changed for >10 years, but the amount has gone up a lot since that rate is applied to the assessment value. Whenever someone near sells a house for a higher price my property taxes go up.

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