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Ask HN: Investments

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Re: Ask HN: Investments

#11

Post by akg_67 »

I suggest you do some reading before getting started with investing.

Bogleheads wiki and forum has good information and knowledgeable forum participants.

https://www.bogleheads.org

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

In addition, following books will give you good fundamental understanding of why and what of investing.

Your Money or Your Life, Vicki Robbins ...

Millionaire Next Door, Thomas Stanley

A Random Walk Down Wall Street, Burton Malkiel

Personally, 95% of my investment portfolio is in Index Funds/ETF. The other 5% I use as play money that keeps me engaged in investing, finance, and trying out new strategies and investments.

Re: Ask HN: Investments

#12

Post by Gustomaximus »

jfaucett wrote: post #9
fenici wrote: post #3

My primary investment is in Australian residential property, secondary is broad index funds (Vanguard ETFs), third is cash. I don't trade stocks, it's too much like gambling IMO.

I've been looking into Vanguard ETFs recently but it looks like the quarterly dividends don't even make up for inflation. The total stock market ETF is paying about $2 yearly at a market price of around $125. What specific index funds do you invest in?

> Vanguard ETFs recently but it looks like the quarterly dividends don't even make up for inflation

The gain is expected from capital growth, not dividends.

Re: Ask HN: Investments

#13

Post by idoh »

akg_67 wrote: post #11

I suggest you do some reading before getting started with investing. Bogleheads wiki and forum has good information and knowledgeable forum participants. https://www.bogleheads.org https://www.bogleheads.org/wiki/Main_Page In addition, following books will give you good fundamental understanding of why and what of investing. Your Money or Your Life, Vicki Robbins ... Millionaire Next Door, Thomas Stanley A Random Wal…

I have all of my investments in an S&P 500 ETF. I've been wondering - should I diversify my ETFs or go all-in on the S&P 500? In other words, go large cap only, or large + mid (and or small) cap?

Re: Ask HN: Investments

#14

Post by tedmiston »

I'm a big fan of index funds or robo advisors (on top of index funds) for the bulk of one's investments. A little individual stocks on the side and a high-interest checking / savings account are a decent way to round it out.

If you're looking at investing five figures or more and unsure of allocation, it's worth doing a bit of research or sitting down with a financial professional.

Also remember that everyone has their own risk tolerances. If people give you advice like "never buy individual stocks", that's just their way of saying that their risk tolerance is below average. It's worth feeling out how much you'd be comfortable losing in exchange for potentially greater rewards.

Re: Ask HN: Investments

#15

Post by akg_67 »

idoh wrote: post #13
akg_67 wrote: post #11

I suggest you do some reading before getting started with investing. Bogleheads wiki and forum has good information and knowledgeable forum participants. https://www.bogleheads.org https://www.bogleheads.org/wiki/Main_Page In addition, following books will give you good fundamental understanding of why and what of investing. Your Money or Your Life, Vicki Robbins ... Millionaire Next Door, Thomas Stanley A Random Wal…

I have all of my investments in an S&P 500 ETF. I've been wondering - should I diversify my ETFs or go all-in on the S&P 500? In other words, go large cap only, or large + mid (and or small) cap?

You may want to consider reviewing Boglehead wiki link I posted, specially the section about Asset Allocation. If all your investment is in S&P500, you are exposed to US Large Company stocks only. You may want to consider diversifying your portfolio to other asset classes. At minimum, you want to setup 3 ETF/fund portfolio: Total stock market, Investment Bond, and International Equity.

Studies have shown that a 60:40 stock:bond portfolio performs almost as well as all stock portfolio but with lower yearly volatility.

Re: Ask HN: Investments

#16

Post by aakriti1215 »

et-al wrote: post #5

Here's a similar Ask HN from five days ago if you didn't see it: https://news.ycombinator.com/item?id=14256980 (I recommend using the search box at the bottom in the future.)

Thanks! I didn't see that one, I'll be sure to search first in the future!

Re: Ask HN: Investments

#17

Post by 1ba9115454 »

Businesses I build my self. In a way when you buy a stock you are buying a fraction of a business at a premium rate.

Why not invest in your own business, you get total ownership at a huge discount to the stock market.

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