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My strategy for investing is: pay into an index tracker, don’t look at the balance more than twice a year, don’t withdraw funds even in bad years, don’t touch it in general, just let it sit for 30 years.
Compound interest will do the work for you.
Currently I have $3M invested as above, plus $2M of illiquid startup equity that I cannot sell, for obvious reasons.
35 year old. I make about the top 20% salary in my country, but don't have much disposable income. I think until I hit a salary cap somewhere, it's best to just invest in my own skills - things like books, classes, experiments and side projects. I've had an average of 21% salary increase year on year for the last 9 years, which is much higher than if I had put my non-existent savings on anything. Once it's unlikely I…
My own experience has been that training is mostly a waste. I've seen maybe 6% raise per year if I was lucky. I'm basically in the mindset of preserving what little I have by not spending it.
Index funds, 80/20 split (VTI/VXUS/BND). Never ever sell. Currently I have $3M invested as above, plus $2M of illiquid startup equity that I cannot sell, for obvious reasons.
My 401(k) is a four-headed portfolio: 50% VTSAX, 25% bonds, 12.5% int'l index, 12.5% REIT
My IRA is mostly four-headed with a few specific longs on airlines that I like, Tesla, Palantir, and Uber.
I also have a trash account for speculative investments; mostly SPACs right now
I also have a Coinbase that is long XRP hoping that it somehow blows up like BTC but probably never will
For regular retirement accounts: The three fund portfolio is very safe against all sorts of market volatility: https://www.bogleheads.org/wiki/Three-fund_portfolio. The four fund portfolio is the three fund portfolio with some participation in REITs (to take advantage of commercial real estate gains). Avoid actively-managed options as they cost more (in management fees) while usually not providing returns above index.
If you want to do more active investing, /r/stocks is actually quite solid for learning the ropes...for now. avoid /r/wallstreetbets; it was junk before and it's even more junk now. finding the signal in that super noisy sub is very very hard
I invest what I'm willing to lose in assets that either have cashflow, or that I expect to significantly increase (2-100x) in value over the next 1-3 years. I'm invested in various cryptocurrencies and stocks, and receive cashflow from businesses.
I do not own index funds or any kind of managed funds.
Currently bag holding after February sell off :(
35 year old. I make about the top 20% salary in my country, but don't have much disposable income. I think until I hit a salary cap somewhere, it's best to just invest in my own skills - things like books, classes, experiments and side projects. I've had an average of 21% salary increase year on year for the last 9 years, which is much higher than if I had put my non-existent savings on anything. Once it's unlikely I…
Wow, 21% per year sounds awesome. It doesn't quite compound the same way as an investment account, but seems good short term. My own experience has been that training is mostly a waste. I've seen maybe 6% raise per year if I was lucky. I'm basically in the mindset of preserving what little I have by not spending it.
I think either kind of investment works. I'd rather live with lattes and sending my kids to private school, at the cost of waking up at 5 AM to read technical books.
If you're lucky enough to get a good job after college, you also won't get that kind of ROI; I still probably get paid less than a FAANG junior.