Tfw equity gains

>not make 3% old grandma returns that barely surpass inflation
you're confusing passive investing with fixed income.

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How do I Vanguard?

Honest question

This. Fucking granny gains get out I rather lose 90% and have a thrill than make a measly 5% all year

bogleheads.org/wiki/Getting_started

you'd get more for your money by going to a casino. they're actually designed for entertainment.

My company matches up to 3% so I'm investing 6%. That's not shit though - I should have 12k by retirement according to the website

thanks but I meant, is it possible to buy Vanguard ETF's through the bank? How does that even work.

Crypto is way easier to understand than this for some reason

depends on the bank, big ones should have the option. or through an online brokerage. it's not more complicated than crypto.

Get 3k and buy vanguard total us market

Never buy bonds and never buy international stocks

>Never buy bonds and never buy international stocks
?

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3K into Vanguard Total US. Gotcha.

Any particular reason why 3k? So you just let that 3k site and it yields comfortable 3% returns every year?

that guy is talking out of his ass. go for the three fund. target date or even robo advisor if you don't want to think about it.
no minimum, just be mindful of fees. large banks should have some kind of auto contribution scheme that can by pass transaction costs.

You want to buy a junk bond fund...when interest rates are rising?

Why no bonds?
I currently have the vanguard lifestrategy 60-40 stocks-bonds

Because that's a pretty conservative allocation. If you're young, you have decades to smooth out the volatility of stocks, which means you want more of them in your portfolio for those sweet equity gainz.

And maybe not *no* bonds. 20% or so is about right for your average Jow Forumsraeli.

I've always heard a good rule of thumb is your age - 110 as a percentage of stocks with the rest in bonds.

Personally I run 90/10 and most of the bonds are higher yield corporate (not junk though).

You're a BAD boglehead dude. Always have some sort of mix of asset classes, not all in on one

This. I would recommend TDF for the year you plan on retiring, that way it's automatic. For taxable, buy 70/30 US/International.

because you cant sell calls against vanguard etfs

You can if they're covered.

Yeck, I started with this Vanguard shit because of MMM and it's up by only a percent YTD. It's a load of crap.

I knew there'd be next to zero passive income, but I thought at least I'd get some equity gain. But not even that. I'm giving it until the spring and if it doesn't shape up, I'm withdrawing it and putting it into rental properties.

Can't afford to have another dead year.

Vanguard is 5K minimum IIRC

10% average over 10 years

10% a year is nice, but most of this board need a lump sum before they can consider it.

hence crypto moonshots

Oh I'm plenty entertained

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Vanguard isn't the only index ETF shop around anymore.

Depends on the fund. STAR's like $1k minimum, almost all the others start at $3k last I checked. $10k's only for Admiral shares (i.e. autistically squeezing every last penny out of your portfolio).

kek, rental properties before the real estate market blows. you pay $450k for a rental property that falls to $385k in the next housing crash and it takes 15 extra years to make up that equity + cash flow

You also discount your dividends you probably receive from your Vanguard funds. Wise up and read up

see that 10% is averaged over 20 years. you're essentially getting paid for patience.
as for rental properties, the risk is distributed more over location than time, and you actually have to do work.

450k? Fuck that, I pay less than 100k for a property that rents for a thousand.

I don't think I'm discounting the dividends either. I just looked and I received a whopping 1.9% return if I annualized it.

>You're a BAD boglehead dude. Always have some sort of mix of asset classes, not all in on one

when you're young it doesn't really matter. a typical 20 something is not investing more than 50k. most of your net worth gains at this point come from income, not market movements

$10k was reduced to $3k this week for Admiral shares, they responded to Fidelity zero

Very true, compound income is more important

So if you get a return of 3% plus 2% dividends, 5% isn't so bad. The last 10 years have averaged well above that, but I realize the markets are cooling off. Unfortunately for bigger gains, you'd have to start with options or pick a stock that would explode ala Apple or Visa

boglehead/MMM strategy in a nutshell:

>get high end wagecuck job (100k+)
>live frugally and invest at least 50% of your income in tax advantaged index funds
>do this for 20-30 years
>retire

it's not a get rich quick scheme like crypto but it's more likely to succeed than anything else you see get shilled on Jow Forums

>So if you get a return of 3% plus 2% dividends, 5% isn't so bad.
Well, I just looked and even with the dividends reinvesting, I've actually lost money on VTSAX since Jan. Again, not saying that I expect every day to be a gain. But, I'm just not convinced it beats the monthly cash income I get from my rentals

I even looked at high-dividend strategies like The Dogs of the Dow, and the cashflow on that strategy is still only about 4%.

How is something >etfs diversified or a hedge if literally everyone owns it?

that's what retirement saving looks like regardless of strategy. boglehead just focuses on index investing rather than trying to beat the market with some fancy trading techniques.

investing while young is more about building the habit and learning to not freak out and sell when you see your first market crash.

again, the index is a long term thing. and you can't have all your money in rentals. what are you doing with your tax advantaged accounts?

what do you mean?

>demographics are starting to roll over and debt is at absurd levels
>buy and hold cucks think things are going to magically keep going up 7% per year forever

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so then what, you think the answer is in cash?

either strategy is ok for a 20 year horizon, short term no it's not suitable

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if the markets can survive two world wars where the economy basically ground to a halt, it can survive another debt crisis.

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That's why you gotta get all your money in the market during the bear so you can moon during the bull

Losing all your money in crypto is way better

literally just make an account, all my holdings are in VFIAX

>$10k was reduced to $3k this week for Admiral shares, they responded to Fidelity zero

Didn't realize that. Just converted to admiral. Thank you user

You are better off opening an account through vanguard then transferring money to that account and investing through it. Banks usually tack on additional fees.

what are the spreads lol

might as well buy cds or money markets instead of bonds at the moment

Bonds are a way of reducing risk. And work especially well when you rebalance in a downturn as they are basicly liquid cash that can be used to buy the cheap discounted stock.

This.

100% in VGLT for now. Use crypto gains and VGLT money to buy back dividend bluechips post-crash.

How does this sound ?

And what specific stocks you want to buy back post-crash ?

alpha = 6, beta = 0.66 (pic related)

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Income for a 1M portfolio. Zero expense ratio.

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>Basing a long-term investment off a SINGLE YEAR

What kind of shithole do you live in that has 100K property?

>get 4% dividends
>counts as ordinary income so get taxed up the ass for it every quarter forever, up to 40%

vs.

>get 4% gains on an index fund
>hold for a year and pay 15% max
>if you don't sell in a year pay no tax for that year

I'd be so mad if I fell for the dividend meme

Man you Amerikeks get fucked hard, thank god UK dividend tax is like 7.5%

What is this portfolio consisting of?

No job yet, just finished my degree.
Once I get a job it has always been my plan to open a portfolio for safe, long term growth investments with passive income.

So soon, probably some time within the next 3 months I can start building my portfolio and growing my equity.

Fuck high risk crypto bullshit.

7.5%, after the £12k personal allowance and £2k dividend allowance, so you can take £14k dividends tax free as a neet

>chart from 12 years ago
>market cycles 8-25 years
is the bear market over already user?

>Dude don't diversify, it's not like that's the number one rule of building a stable portfolio or anything
If you aren't diversifying then why even bother with index funds at all, just go all in on some high risk-high reward stocks if you're just going to ignore the most basic rule of safe investment.

Make an account where..?

On a somewhat related note, what should I pick for my 401k? I see a lot of Vanguard on here. I'm allowed to pick multiple if there's two I should go 50/50 on.

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If you’re young I would say 500 and Small cap Vanguard funds

vanguard

TD Ameritrade > Vanguard
Prove me wrong

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...

This is good. Only issue is sustainability (demand / supply / health / motivation etc.) of 100K income.

depends on age, income, risk tolerance, etc. but hard to go wrong with the lifestrat mod growth or the target date the lines up with your retirement plans.
personal.vanguard.com/us/funds/snapshot?funds_disable_redirect=true&FundIntExt=INT&FundId=0914

you should be able to switch between with with minimal fuss once you're more comfortable with investing

Any thoughts on VEMT? (Emerging markets bonds). High yield seems good but is it worth the risk?

that's only something you can tell with a good amount of hindsight.
if you had dumped all your money into the market in 2000, the worst time to invest in the last 20 years, you'd still have about ~6 return annualized. not great but nothing to pull your hair out over. of course it's a lot better in a normal situation where your contributing regularly.

I would prefer VWOB or PCY

see rule of thumb is to invest in each sector proportionate to their market cap. there's some research saying you can get better results with a bit of fiddling but it isn't worth the time for most people.

should add that weighting is also subject to taxes, so you're probably going to favor your home country a fair bit.

tazes schmaxes

Because we don't have the million + dollars to get more than a Mc burger worth of passive income per month?

It always starts as a slow journey user. The whole point of this style of investment is to put away as much as you can into your portfolio every year over the course of 20 years and eventually end up with enough equity to generate a passive income stream sufficient to support you indefinitely after retirement, thus allowing you to retire early.
This is not the NEET lambo land of crypto, where you throw your money into some worthless coin and hope it goes x10000 over the next 2 years.
This is the deliberate and steady investment strategy of someone who wants to INVEST, rather than gamble.

> 20 years
In 20 years, if we don't have robots unbinding humanity from resource restrictions then we have all failed.

>The rush of losing money is so great!

I have the Vanguard 2065 fund is it good?

>tfw 3 fund lazyfolio
It's so comfy watching my money grow so reliably every year bros.

Can non Americans also use this?

Yes, for example bogleheads.org/wiki/Investing_in_Australia. Scroll to the bottom to see a list of other countries they've got pages for.

Most first world countries can

I'm really glad I got into reading up about Vanguard from Audiobooks and youtube videos. I bought some vsp.to a few weeks ago and now I'm beginning to read more about Index Stock investing.

I'm really tired to following up with Crypto after finding stable income. I knew Jow Forums is nothing but shills and hyped coins. But seeing this thread gives me a lot of hope for my future.

Eurobros, has anyone used etfmatic here?

don't worry, we didn't make 3% this year, we're down YTD lmao

cherry picked

now include 2008-2018 and watch US returns crush everything

just go target retirement fund, pick a year and put money into it

it's the most brain-dead way to invest, you really can't go wrong with it either

i have but it will still be a few months before i start earning enough to make this worth it compared to the low capital speculation i'm doing right now.
I'm going to open a separate account for long term investments and set aside 5-10k for the gambling addiction.
If that goes bust, it'll hopefully cure me. On the other hand, it should be enough to make it without requiring lmao 1000 straight green trades including brokerage.

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