amy "only issue" is now what? sure chart looks to good to look; there is good info but what actions do i take now that inflation eats everything, like salt to metal.
Show HN: Inflation-adjusted stock charts – Total Real Returns
91–100 of 279 posts
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#92Wish it had the 70s, or ideally, the whole 20th century. The 80s-2010s has been a period of unusually low inflation and consistent market returns, buoyed by the end of the Cold War and entry of the developing world into the world economy. There's a good chance that we revert to the mean going forwards and see much more geopolitical instability and resource constraints.
So, what does a young person do these days? First few years out of college were just "max out 401k contributions into some target fund" + build emergency fund, but now that I've amassed more cash than what an emergency fund requires, what does one do? Originally, my plan was to use it for a house down-payment, but with the mortgage rates having nearly doubled in the last 6 months, that's kind of out of the question a…
Go for the house down payment and refinance once the rates go down. A few percentage points aren’t going to make much difference near term.
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#93Earlier quoted context omitted.
You can use ETFs that hold those assets, for example: https://totalrealreturns.com/s/GBTC,ETHE
No, you really can not: https://habr-com.translate.goog/ru/post/675802/?_x_tr_sl=ru&...
Well, you're both right and wrong. He's right You CAN, but your linked article is also 100% correct, GBTC / trusts are absolutely NOT etf's.
There are however etfs for crypto in other districts (I hold for example ethx.b, a canadian ETF that tracks ETH within my RRSP).
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#94Earlier quoted context omitted.
It’s an S&P500 fund; that is composed (exclusively) of large cap US stocks.
Not according to Vanguard[0] (the link is for VFIAX but that's just the admiral fund), the quote I gave was from Vanguard's own description of the fund's composition. You can take it up with Vanguard why they describe the fund as I've quoted[1]. [0] https://investor.vanguard.com/investment-products/mutual-fun... [1] https://support.vanguard.com/
Vanguard notoriously calls mid-caps "small," e.g., VB. Anyway, they're not the ones who select S&P500 index components. I love Vanguard, but this is one case where they're kind of off-base.
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#95Why not use Fed’s preferred measure PCEPI for longer term aggregate inflation adjustments? CPI is not adequate for long term adjustments for a variety of reasons.
The common capital market comparison for these equity returns is against real risk-free returns. That benchmark is largely missing here.
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#96What tech stack are you using? The speed is impressive.
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#97Wish it had the 70s, or ideally, the whole 20th century. The 80s-2010s has been a period of unusually low inflation and consistent market returns, buoyed by the end of the Cold War and entry of the developing world into the world economy. There's a good chance that we revert to the mean going forwards and see much more geopolitical instability and resource constraints.
So, what does a young person do these days? First few years out of college were just "max out 401k contributions into some target fund" + build emergency fund, but now that I've amassed more cash than what an emergency fund requires, what does one do? Originally, my plan was to use it for a house down-payment, but with the mortgage rates having nearly doubled in the last 6 months, that's kind of out of the question a…
You do the same thing that was recommended for the past 100 years, invest in VTI and chill.
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#98Earlier quoted context omitted.
I think that just furthers the point- there isn't enough 'money' in M2 to 'pay' for all the stocks in the stock market. Yet there that value sits and real estate is another 20+ trillion in land value. In other words the actual 'money' is a transactional grease for the wheels of commerce- notational/bookkeeping mechanism. The sale of Apple (the largest value stock in America) as a whole probably couldn't be accomplish…
A change in preferences from holding dollar reserves to holding stocks could change the value of the USD, that's what I am saying.
Except that you've got a Federal Reserve actively ensuring that there aren't too many (or too few) dollars in circulation for the level of interest rate they want to maintain. They do it by buying and selling bonds rather than stocks, but the principle is the same. So we don't have to worry about shifts in portfolio preferences leading to an unexpected oversupply or undersupply of dollars
But more people wanting to hold AAPL instead of hold cash absolutely will reduce the amount of AAPL stock your $1k is able to buy, of course
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#99Wish it had the 70s, or ideally, the whole 20th century. The 80s-2010s has been a period of unusually low inflation and consistent market returns, buoyed by the end of the Cold War and entry of the developing world into the world economy. There's a good chance that we revert to the mean going forwards and see much more geopolitical instability and resource constraints.
So, what does a young person do these days? First few years out of college were just "max out 401k contributions into some target fund" + build emergency fund, but now that I've amassed more cash than what an emergency fund requires, what does one do? Originally, my plan was to use it for a house down-payment, but with the mortgage rates having nearly doubled in the last 6 months, that's kind of out of the question a…
House prices are at a peak and stocks are in a trough. Try to make clear economic decisions and don't be enamored with home ownership. A house is a huge illiquid asset that you can live in. There's calculators out there to use but know that buying a house usually only makes sense if you're definitely staying for at least 10 years. And don't be swayed by headlines. Big tech is doing extremely well and isn't slowing down.
Re: Show HN: Inflation-adjusted stock charts – Total Real Returns
#100Wish it had the 70s, or ideally, the whole 20th century. The 80s-2010s has been a period of unusually low inflation and consistent market returns, buoyed by the end of the Cold War and entry of the developing world into the world economy. There's a good chance that we revert to the mean going forwards and see much more geopolitical instability and resource constraints.
So, what does a young person do these days? First few years out of college were just "max out 401k contributions into some target fund" + build emergency fund, but now that I've amassed more cash than what an emergency fund requires, what does one do? Originally, my plan was to use it for a house down-payment, but with the mortgage rates having nearly doubled in the last 6 months, that's kind of out of the question a…
> So, what does a young person do these days?
Barbell investing from Taleb makes the most sense to me. Cap your downside, go balls out with the rest.
And prioritize long-term assets over cashflow. Revenue generating assets are best.