I recommend listening to https://www.schiffradio.com His guidance has really worked for me.
Ask HN: I have $450K cash, what should I do to maximize my return?
21–30 of 509 posts
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#22For now, steer clear away from index funds, stocks, property investments, etc. Things are looking to get ugly in the near future.
Maybe bear ETFs or put options against stocks that have performed well over the year if you're really looking to drop money into something, but that's pretty risky in itself.
Also, be cautious if thinking about any crypto investments in the next month or so. Short term is way over bought for BTC, but towards end of fall into winter when the price corrects a bit could be a good time to invest a conservative amount.
Just holding and waiting out the coming storm is the safest way to go at the moment imo
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#23This may be frowned upon but : I am in a nearly identical situation, within a few percent of your dollar amount. Ive been looking for a while for a partner for a lifestyle business, something along the lines of a maker space but open to a wide variety of ideas, most of them somehow variations on buying a large commercial space cash and using the free rent to build a business that creates community. Me email is in my…
I'm currently starting a new maker space in Texas, please feel free to reach out, happy to share what we know and have learned.
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#24Cash out refi everything you can. At 3%, 30 year fixed, with fed target inflation rates of 2-3%, you’ll need a If you can’t get that with passive investments over the next 30 years, the banks will have bigger problems than your loan. Despite your risk aversion, consider putting some in a robo advisor (mix of bonds, index, foreign index, etc), to hedge against a spike in inflation, or a crash of just the US economy. T…
If you're betting on a crash soon, why not just hedge your existing positions on long dated PUT options? That's what they are for , insurance. As far as OP is concerned, there's not much point into cashing everything if the timescale is greater than 5+ years for needing any of it. Trying to time the market is just a fools game, consistent investments in the indexes always works out in your favor long term. Regarding…
If you bet on a huge crash then your PUTs will lose the value anyway. So what if they give you 50% profit when the inflation is 1000%.
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#25Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#26Take $200k and build out an equal weight portfolio of a bunch of different tech stocks. Take $160k and use as a downpayment on two different turnkey rental properties. Invest the remaining $90k in a decent index or mutual fund, different from the one you already have.
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#27All in chainlink
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#28Don’t feel bad about doing nothing. At some point the world will be more financially rational. You shouldn’t have fear of missing out when things are so topsy turvy.
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#29> I'm not comfortable investing the entirety into an index fund, given the current socio-political climate.
Over the the long term there is not really anything better to do with it than equities: the Great Depression, World War 2, gold standard retirement, 1980s inflation, etc. Even if you only invested in the peaks, you'd still do quite well over the decades:
* https://awealthofcommonsense.com/2014/02/worlds-worst-market...
Jumping in with a lump sum amount can be quite daunting, so what you can do instead is put in (say) 40K every month over the course of a year or so:
* https://ofdollarsanddata.com/even-god-couldnt-beat-dollar-co...
Certainly better than sitting in cash. If you're worried about volatility, then also invest in some bonds funds: 60% stocks, 40% bonds? If you want more growth, 70/30 or 80/20 maybe.
And while the S&P 500 gets a lot of the press, a total market fund is what Vanguard is steering their own employees to:
* https://www.marketwatch.com/story/bogle-explains-why-vanguar...
See also:
* https://www.pwlcapital.com/should-you-invest-in-the-sp-500-i...
Re: Ask HN: I have $450K cash, what should I do to maximize my return?
#30Hookers and blow