I have some money I'd like to invest in Vanguard ETFs...

A better move would be to just bang everything into FTSE global all cap index fund IMO.

Im british so i like the lifestrategy 100, it's slightly skewed to british companies but covers a wide range of funds across the world

And finally, here is a sub which is VERY FUCKING GOOD for getting your finances into check. It's a UK personal finance subreddit. If you're British for the love of god start lurking this a lot to get stellar knowledge of saving, and investing wisely for a comfy retirement.

reddit.com/r/UKPersonalFinance/

I'm putting 50K into Link. Might pick up some ETH as well to hedge against Link shitting the bed. I hope Link plummets this year, really trying to accumulate close to 100K

Other than that I want nothing to do with crypto. Averaging 10 percent a year in an index fund for 10 years would be fine.

Heres a flowchart resource from UK personal finance, basically how to spend your income until youre loaded.

Attached: flowchart.png (1172x1324, 139K)

600k? just put it 80% into the S&P and 20% into bonds. Should be worth ~1.2mil in a decade.

Thanks user

That's not enough fren.

at 7% a year you double your investment in 10 years. your telling me 80% stocks 20% bonds wouldnt do 7% a year average?

It would. I want multiple millions though, not just 1.2M. Hence 50K into crypto

GO BACK.

The only really advice here is 90% in a total stock market index fund like VTI and 10% in BND. That's the only answer. I can prove that to you mathematically too. That portfolio has the highest risk adjusted return of any model.

VTSAX - 70-80%
VTIAX - 20-30%

Add VBTLX once you become boomer age

That's literally unironically all you need

You guys do realize Schwab ETFs are have lower OERs right? Vanguard isnt the cheapest anymore...

SCHX
SCHK
SCHA
SCHD

VTSAX already has plenty of international exposure though

50% into BTC and 50% in LTC

this

>That portfolio has the highest risk adjusted return of any model.
source?

It's actually investing in stocks/crypto on ez-mode.

Basically there's only one call you have to make, will stocks collapse soon?

If you think so, go 80% bonds, 20% S&P500.

If you think not, inverse the ratio.

If your wrong youl'l lose a few %, if your right you'l gain a few %.. Either way you can't really lose, over 10,20,30 years, investing 50-70% of your income, you will make millions with very low chance of not making millions.

>no one mentioned my etf

stay mediocre biz

>Basically there's only one call you have to make, will stocks collapse soon?
No one can time the market. It's best to just DCA

fucking this

nobody gives schwab any credit

SPWXX holder and accumulator here

I predict an 'inverse-crash' will occur in the stock markets of the world soon. We all know the trend, Jow Forums finds memes first, then reddit, then the wider normies. It happened with pepe, it happened with bitcoin, and it will happen with ETF and long term value investing in the stockmarket.

The internet is just starting to catch on to most normies, most of them just spend their money, but we all know that saving and investing to make us millionaires one day is really really addictive.

One day this will go mainstream, and unlike bitcoin the risk of it will be very very low.

Imagine a world where most 20 somethings dump 60-70% of their paycheck into the stockmarket/ETFs to get wealthy? Imagine how inflated the market will actually get, and now imagine that these people will just leave their money there in the hope that it will grow by the time their 30-40 so they can take it out and 'live off it'.

The 'FIRE' movement is growing.

Invest into ETFs and blue chip stock now, because I predict in the next 20-30 years we will see an inverse-crash. A stock market bubble that is fueled not by and single 'one' big get rich quick idea.. but a slow long wave of people realising 'wtf, if i invest my morning coffee money every day, I could've had 100k in the bank by now'.

Expect, a lot of retail commerce businesses to collapse though.
Invest in the finance sector, invest in entertainment, and invest in luxury goods.

We've been on a 10 year bullrun though, prime time for a major correction/recession don't you think?

Good post user

the only reason why people think the bull run will end is because "it's time" but they don't see the reasons that justify market growth.

the next thing that will slow market growth is rising interest rates.

Guys is swppx a roth ira? or a mutual fund? im a stupidass so i just listen to smart people and i started putting $500 a month into it like a month after I turned 17 in hopes of the "youll have 2.3 million by the time youre 50" meme being true. Is swppx tax free? Im starting to wonder if i shouldve gone for vtsax instead

yield curve inverted 10y - 2y - we have max 1 year left before major recession

I am unironically an investment advisor. If I find the time I can answer some questions.

gtfo boomer

I am getting about $600K before taxes this year from a tort fee. $50K will go into crypto. I am $180K in debt to the grad school meme.
What the fuck should I do here? I really hate the thought of immediately giving half of that $600K right back to the government. But I also want to set myself up long term so that I don't have to worry about money in 20 years. I'm 34 years old, have a gf but no kids. I'm an attorney so I can afford to be pretty risky as I can make decent money. But these sorts of huge fees only come around once every 5 years or so. What would you do in my situation?

The 10-2 did not invert. Spreading lies is all biz does anymore.

LOL an investment advisor who doesn't know about yield curve inversions. Typical.

T. Corporate finance

I would kill myself as lawyers are the scum of the Earth. Seriously, killl yourself, Jew.

pay off that debt fool
also are you not worried about not paying taxes on that? youd prob be left with what, 400k?
then pay off ur debt and youre left w ~200k
fucking hell thats depressing. at least youre in a better spot than most of this board

proof

Total US ETF is there only thing you should be buying on vanguard.

International is a joke and your retarded if you're buying bonds in 2019

movement.capital/summarizing-the-case-for-international-stocks/

Over any individual decade I feel VTSAX has a better chance of outperforming. Over a 30-40 year period, I feel it's best to have both.

Total US Index Fund*

my non-retirement port:

SCZ
YYY
LVL
SPYD
SPMD
SPHD
PSEC
AMLP

as for my roth 401k it's just a mix of small/mid/high caps, some S&P 500, with a little REIT and international to balance it out. I get a shitty match but it's a match nonetheless, but remember the matched portion is non-roth and will be taxed down the line or upon conversion.

529 plan is just in a a generic growth fund that beats the s&p.

Attached: 1516485368397.jpg (900x675, 155K)

t. retard
I sue insurance companies who kike morons like you over 24/7

that's what I'm saying I have to just hand all of this life changing money away. Sometimes I think about bailing to another country

over a long long time, having international can balance out some bad US only stock years. that's the whole idea behind it from a 20+ year span point of view. certainly int'l funds are worse performing than any s&p.

agreed with the bonds though, they're junk. one fund i had, invesco equity and income i believe, had some bonds in it so I got out of it. didn't have an awful return but it was still my lowest performer out of the bunch. I've erred on the side of a little too much diversity but it hasn't really hurt me, just cut my gains a percent or so.

Isn't the main purpose of bonds not for gains but act as a hedge in the case of a stock market crash? If bonds are garbage, should an investor just go all in VTSAX?

fucking brutal man. where would you go?

Not sure. I don't want to get kicked out of the US so I will pay the taxes. Loans are a different story. They won't chase you internationally for those. New Zealand seems pretty nice

Vanguard keeps track of over a trillion dollars but a Hmong mong fetish appreciation board is going to be what gets the word out to the normies. Sure thing, Beavis.
I'm sure your faggotry gets you all kind of upcummies on plebbit, but you're going to have to lurk more.

the only "hedge" against a stock market crash is to NOT SELL and HOLD YOUR BAGS until your stock valuations return to normal and then some.

it's happend every crash, every time. hold and wait, don't buy high and sell low. that's what normalfags do, and you don't want to be normal.

So you recommend 100% equities?

Unless you need to access your investments within 10 years or sooner, you should be 100% in equities. Depending on whether it's 1-9 years will determine the % in bonds you should have.

Basically your tolerance/duration to be able to "wait it out" if a recession hits determines your need for bonds.

Hmm...let's say a person is retired with a 7 figure portfolio and is living off the 2% dividends VTSAX provides, would it be wise to stick with 100% VTSAX or would it be prudent to add some VBTLX as well?

anybody browsing Jow Forums is going to be young enough to 'wait it out'.

you guys can buy all the bonds you want, i'll be staying 100% equities for the next 30-40 years.

Based post user

Would be nice. Too bad retail investors only account for like 5% of the market so I wouldn't expect that to have a huge effect.

Depends on your burn rate and age

If you are burning all of your 2% then a recession will hit your principal if maintain the same lifestyle. Taking a principal hit is ndb if you are early in retirement but in the later years it could mean a death in worse conditions than you hoped

Depends on how old they are and how long they need to make their portfolio last. Would need the exact numbers and do some calculations. But if they weren't earning ANY income and 100% of their income was in investments, I would not recommend being 100% in equities.

I literally said be 100% in equities if you're young, retard.

I wish I knew what half of y’all were talking about ? Where can I start learning ?

bogleheads.org/wiki/Main_Page

no, you said some bullshit about how if you're investing for less than ten years you should have some percentage in bonds, which is bullshit.

VTSAX

Attached: vtsax.jpg (1280x720, 80K)

You should only be investing for less than ten years if you're less than ten years from living off your investments instead of your income. Which for most is 30+ and for many is 50+.

Do you think a 35-40 year old who is FIRE'd and is living completely off his multi-million dollar portfolio and has 0 income should be 100% in equities?

What percentage of bonds would you suggest if I have 5M and want to live off the returns

Or you buy more cheap stocks during the dip by cashing out your hedge bond funds, ending up with more assets than 100% stock portfolio, as was shown by research, which is why a mix of funds is universally recommended except for on Jow Forums where the blind are led by the blind.
lol at all the people in this thread seriously taking advice from biz.

Shocked there;s no Fidelity fags in here with FZROX, 0 fee total market fund

VTSAX is great of course, the gold standard

Buy silver dick head.

Attached: junk_silver_90__1.jpg (849x565, 175K)

No, but the 10 yr and the 2 month did, does that count as inverted? What usually happens then?

FSKAX nation here, user.

I would wait to see that FZROX can keep up with its proposed benchmark and other total stock market funds (e.g. VTSAX, FSKAX) before going all in on it. It's not even a year old yet.

Fidelity is a scam. Capital gains distributions and tracking error up the ass.

The "Becky" portfolio is one of my favorites.

It is a collection of "typical white girl" consumer stocks like Starbucks, Apple, Facebook, Lulu lemon, Louis Vuitton etc. Mostly luxury goods and some tech. Basically, just look at some white chick walking around and invest in the brands that she is wearing/using.

lmao this
a 10% bond position isn't going to kill you and will reduce volatility dramatically

Attached: 72_15_eps.png (913x660, 39K)

You are assuming people are rational. That's where you're wrong kiddo. Humans will always waste their money on stupid shit.

young people are too impulsive and lack the vision to see this being beneficial. ask any young person what would they rather? live humbly and me able to retire early or go out with their friends to buy a 12 dollar meal and the latest 60 dollar entertainment nonsense? New capeshit movie, videogames, designer bullshit "on sale" for 200$ once a month. Young people do not have the resolve to not fall for these traps. Your prediction is dumb but feel free to speculate.

There's a reason why they don't teach finances and financial responsibility in all elementary education.

Can I get yalls honest opinions on when you think the next big market draw back will be? I feel as if things are drawing down significantly.

I am really considering getting all my money on a Inverse ETF like SH

I was also wondering that, not because I want to invest in alternative products but because I want apply some of the suggestions I found in this thread with a good timing and at better prices

>I feel as if things are drawing down significantly.
S&P is within 1% of ATH.

Explain yourself.

US stocks just fell 17.5% a few months back
International fell 24.3%.

Clearly this was a drawback, inb4 moving goalposts from market timers who lose perpetually

That is exactly why fren. When people think things are going great you should be alert. We are very high on the Fear and Greed Index.

Yeah that is a correction not a recession. Its been 10 years since a recession and no bull market has ever lasted this long in the US.

NEETs on this board have been predicting a bear market since the boards was created

want to guess what their net worth is right now? because they sure as shit didnt make it on shitcoins

wtf are you talking about? This is /smg/ a place for adult. Take that crypto trash elsewhere.

Market is a cluster fuck right now.

Any time there is any sort of drop people start screaming bloody murder. Then once the rebound hits and we move even higher they start scratching their heads and say "well there's still a recession coming because...well, I don't know why, but there hasn't been one in a while, so it has to be coming soon! 2016 it will be there, oh wait maybe 2017, oh 2018 for sure!, no? 2019 definitely, yeah by end of 2020, that sounds good..."

schwanon here, schwab ETFs less bloated than vanguard

Yeah I get that but when it is close to ATH and we havent had one in 10 years and an election is looming I feel the time is right. Also the inverted yield curve it all seems to be falling in place.

Of course, I can't ever know when it will be but it just seems like there is no other possible option at this point.

I am very heavy in Alibaba and an healthcare etf. I am thinking once the Trade Deal comes through I get out on the post-deal bump but I dont know.

Attached: carthagecapture.png (635x457, 290K)

I'm talking about YOU

YOU are attempting to time the market
YOU will not succeed, I can state that with a high degree of confidence

I understand that I am not going to time it perfectly. I can sit on the sidelines in cash until the right time comes to buy back in though... That is not hard to do. Even if the market hobbles on for 3 years I know it will crash lower than it is today.

good luck. Seriously

hence why you're poor

>He's not investing as much as humanly possible while he's young
>He's not aware of how fucking crucial compounding interest is
>He doesn't realize that money invested in your 20s is much more important for accumulating wealth than at any other time in his life

Don't let the fear of a """looming recession""" keep you on the sidelines during the absolute most important time in your investing career.

>I can sit on the sidelines in cash until the right time comes to buy back in though
and in that time you will experience a negative real annualized return

>I know it will crash lower than it is today
no you do not, and you will have had years of reinvested dividends when it does, which is why you look at charts that show growth of $10,000 instead of just looking at the price
you think you have the keys to the kingdom like so, so many before you but you don't
here's a good one people have been making fun of recently:
bogleheads.org/forum/viewtopic.php?f=10&t=173073&sid=9efb9e695f9fa420b901e24e97aa31c7

Check out Global X ETFs, specifically their thematic suite. Its the future.

I have half my wealth in the market now. I am still setting aside cash in my bank account to go all in once there is a correction.

And that's fine. I have about 30% in cash as well, as a buffer for emergencies and major buying opportunities.

But just know that is has been mathematically studied and proven that going all in whenever you can provides the best return in the long run. As long you know that you're *probably* doing it wrong and are okay with that, then by all means go for it.

S&P 500 and what ever you like as a side bet. But make it at least 20 year hold. Too bad my shitty euro country made it impossible to invest in foreign etf. And it was a right wing idiot government btw who made this law.

Well I appreciate the advice fren. I may switch from just cash every pay check to buying some consumer staple etf or something somewhat recession safe.

There are several EU-based ETF for the same index though, just buy those. You'll have the forex risk either way though but at least this way you don't have fees raping you every transaction.