I am 26yr , and Given Corona hitting market values hard, Inflation rising interest rates , and war . where would you look to put in around $25k of cash? I have already a 25k in a market money with daily interest . however I have around $60k of extra cash where I want to remove some liquidity , and use $25k cash or more into stock market globally . I was thinking on IWDA + EIMI + WSML + AGGU or IWDA + EIMI + AVDV however this portfolio aims to be 5yr - 10yr or more horizon depends on how I feel to injecting more money
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It's a bit late to invest in value stocks - inflation / interest rates are probably already priced in for those. Given your time horizon I'd wait a month to see how the new inflation data impacts growth stocks and then dollar average into tech stocks with strong business models.
Why is this stupid
I have been doing lump sum periods from the beginning of the year each 3 months due corona , war , and inflation , and my portfolio fund drops some of their price share at 73 each one from IWDA , however I am planning to inject over the following months 25k into my fund , and 5% at technology sector with high growth and strong business models or what are your thoughts about IWDA + EIMI + ADVD + 5% ( individual stocks ) DCAing before / during the hell we will witness?
I would help you but I noticed you're an engineer and now I no longer respect you because you failed to break into IB.
how come?
see above ^
Not sure if you've been living under a rock but engineer >>> glorified excel monkey now. That's why this dude got so much extra cash.
btc leggo
I would put 25k into vanguard 500 or vanguard total stock or vanguard extended market and never check it again for 25 years, knowing I will have better returns than 85% of the active funds or amateur stock pickers like you.
TQQQ cuz im young and fuck it
That's what I'm talking abt. I may hit some SQQQ or QID though for the next couple months and use those gains to average down on TQQQ
You are so cool
If you’re investment horizon is truly 5-10 years than you first want to start with building a portfolio foundation diversifying between Market Cap, style, and geography
My view is that inflation will be persistent, fed will be more hawkish, and this drawdown is only in the 5th or 6th inning. Thus, I would tranche into your foundation very slowly.
Market Cap: SPY and IWM with a heavier tilt towards SPY
Style: Tilt towards value with SPYV and VIOV
Geography: very small allocation to EFA or GGIPX
If you want to get a little fancy sell some out the money puts on UPRO (strike in the mid 30s) to generate some income and be paid to wait into the market on a more leveraged basis
In terms of short term tilts or tactical trades I like XLE or XOP to take advantage of higher energy prices. Maybe even XLV as healthcare holds up well in uncertain times.
Once you have sold exposure across broad based sectors look into some crypto (Eth, AVAL, Polygon) and some single stocks you like.
Excellent advice. Although BTC
Unironically TQQQ or UPRO
This is the way.
decay on leveraged funds lol
Personally I'm pretty boring and for a longer timeline would just put it in whatever the lowest fee S&P index fund you can find. Solid returns long-term and once you have enough stashed away you can put in a pledged asset line or get really cheap margin on it from Interactive Brokers for cash flow needs and just never sell (to avoid ever paying capital gains taxes). Then when you die your cost basis steps up. I've also heard of people allegedly using their annual gift tax allowances to give stock to older parents ($16k per person per year, so you and a spouse can give $32k annually without paying taxes) and then when they pass you inherit the stock back at a stepped-up cost basis (if they held for at least one year).
Imo it's hard enough to beat the notional return of the S&P in the long-term with your PA, then if you factor in all the $ savings from taxes and fees as well as the hundreds of hours you'd otherwise spend moving money around and researching, it seems like a pretty simple answer to me. That being said, it's just how I'm personally investing/thinking about it in the moment and could definitely be missing/undervaluing a few considerations.
I'd go long Palantir.
It's trading below IPO price, and still growing revenue by 30% year over year.
The vast majority of their existing revenue comes from government and healthcare (two recession proof industries), and they've been expanding within their install base to the tune of 8 and 9 figure deals. Near term future revenue is a derivative of the largest enterprises globally (least hurt by a recession), and they've been making inroads with the startup community so they're setup for the long term
As they make the transition from on-premise & consulting to cloud & services, margins will continue to improve.
30% of the workforce comes from ivy league or equivalent schools, and they've been poaching some of the best sales talent from across big tech, as well as CEO's from strategically important industries (oil and gas, manufacturing, etc.)
No other company provides a soup-to-nuts enterprise ready graph-type database solution (Neo4J sells a graph database, but it's open source and most large organizations prefer a single vendor and the illusion of plug and play)
On the softer side, the public narrative has been shifting from left to right, and given the Thiel connection, PLTR is well positioned to capitalize.
Who threw the monkey shit? Why am I wrong?
i just bought a little bit. i'll put a reminder for this comment for a year from now and see how we're doing :)
AndyLouis we're coming up on 12 months and I'm working on a Palantir post.
Is it too early to declare victory?
..
why does many people suggest global index funds ? what do you mean by market money isn't really invested?
..
2 words:
Bit
Coin
I put my entire bonus into bitcoin
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