Submitted 2 days ago by SSUPII@sopuli.xyz to [deleted]
https://sopuli.xyz/pictrs/image/7dfdcc09-e003-4478-a957-07494865c409.webp
Index funds. Avoid individual stocks. Don’t try to time the market, in or out. DCA. Don’t touch the money. Don’t touch the money. Don’t touch the money.
Pretty much all you need to know right there - assuming the market continues in some fashion we’re accustomed to.
I’ve kind of thrown in a bit of favoritism towards Euro companies and responsible development.
I don’t think I’m going to make bank on that. I just…don’t want to be financially invested in my own country right now.
There’s no reason you can’t do both. This country had proven time and a gain it will put rich people first, the rich get rich because investments and holdings in stocks, so taking advantage of the shitty situation is fair game.
Youll think this dude is crazy when you are down $200 after your first year. But check again in 10 years when it has doubled in value. Just pretend the money doesn’t exist.
And the most important advice is to leave the money the fuck alone.
I got lucky in that I started having enough money to invest after the 2008 crash. Those years had crazy good gains. The real test comes when the market crashes 30% in a few days. Can you stick to the plan? That happened in 2020 when lockdowns started, and if you stuck to the plan, you still did very, very well that year.
Avoid individual stocks.
If you’re a new retail investor, sure. Putting all your chips on the S&P is probably the safest bet. But these indexes are, themselves, often overweighted by the MAG7 anyway. So you’re still heavily exposed to certain sectors and even individual firms. Tesla, for instance, is explicitly 3% of the NASDAQ composite. And because of the way it is interconnected with NVIDIA and Toyota and a few other large cap companies, a sudden downturn in Tesla value can drag down the rest of the index quickly.
Don’t try to time the market, in or out. DCA. Don’t touch the money.
That’s fine from a very rudimentary savings strategy. But as you learn more about individual equities, you’ll see opportunities. Palantir is a great example. It was trading at $10/share a year ago, despite Thiel having a direct line to national security spending budgets and a very friendly relationship with both Trump and Harris. Severely undervalued in the security sector in a way that a simple S&P or NASDAQ investment can’t take advantage of. Meanwhile, domestic natural gas is severely hindered by the US trade relations with China - which is the fastest growing market for petrochemicals. Simply having a chunk of the DOW won’t yield growth consistent with specific areas of the international market.
Watch P/E ratios. Watch EBITDA. Watch what the economy is doing, generally speaking. Fuck day-trading and options plays. But you can absolutely find opportunities in the market long term with a conservative buy-and-hold strategy, if you can pick out equities that are undervalued and positioned for future growth.
Solar is a great growth sector atm, as energy prices rise and O&G supply chains become overexposed to international conflicts. Bank stocks are enjoying a new wave of deregulation that promise high growth potential. Meanwhile, certain sectors in the MIC are stumbling - Boeing and Raytheon, for instance - because they can’t actually produce units to meet global demand for killing machines. There’s an arbitrage opportunity in smaller competitive startup firms - particularly in drone and electronic warfare.
If you’re serious about investing, it’s worth asking the question “Is Intel in a position to compete with TMSC?” rather than just dumping all your money into an index.
Unless you work in this sector and have detailed knowledge, youd be delusional to believe to be able to answer that question better than “the market” in general.
Also i’d say Palantir isnt as much of a secret tip but rather capitalizing on wanting to live under Fascism. If you dont want to live unser Fascism you should wish for Palantir to burn to the ground. This directly contradicts pumping money into them.
I didn’t write this comment for investing at your level. This is investing for people who want to have a retirement and aren’t interested in stock investing as a job, because to correctly monitor markets and companies and successfully pick winners requires education and a time investment. I’ve done my fair share of picking winners out of companies that become movers, but I don’t have the risk tolerance for that anymore and this forum isn’t the place to teach people all of that. Because something works and requires minimum effort doesn’t make it rudimentary, that’s completely unfair, derogatory, and insinuates people should try more risky strategies. You completely missed the audience I wrote the comment for. Anyone at your skill and risk level doesn’t need this advice. The equivalent of me suggesting one buy a reliable Honda and here you jump in suggesting a Maserati. Not the same crowd.
We’re about to see a really bad collapse. Nvidia is going to go down.
Actually just avoid the stock market entirely and pay someone else to manage your money.
I just have an account that I deposit money to every week when I get paid (actually it’s automatically deducted) and never think about it.
They aren’t worth the money they’re being paid. It’s really not hard to do the most long time proven plan, which is to balance a portfolio between higher risk things like an SP500 index, and lower risk things like bonds. You weight it towards the index when you’re young to get high average returns, then back it off into lower risk as you get older to lock it in.
“A Random Walk Down Wall Street” goes into how this strategy has been proven out over decades when so many others have failed. You technically can beat the SP500 (and be sure to include transaction costs), but only by taking on even higher risk.
The best investment advice for most people is really, really boring.
Actually just avoid the stock market entirely and pay someone else to manage your money.
This doesn’t make sense?
If someone is “managing” your money, they’re managing stocks and/or investments tied to stocks, even if it’s something like a direct deposit to a CMA.
High interest savings is pretty decent if you can find the right one, it’s a no-effort way to collect interest. Just make sure you can afford the bank’s rules like minimum amounts or any fees.
As far as someone else managing your money you left out a lot. Who and how? Money managers take fees one way or the other, they trade your money around based on whatever works for the business and not always what is best for the client. No matter what any trades will incur trade fees and capital gains taxes. Those gains and fees are losses that could have been avoided. I’ll stand by my original opinion.
Easy way to gain a lot less than you would by making a few hours worth of research
ipitco@lemmybefree.net 1 day ago
People being publicly religious will always cringe me, just like people believing in astrology and posting about it
oppy1984@lemdro.id 1 day ago
As an Aquarius I agree with your view on public displays of religion, but I fear for your chakra on the second viewpoint.
/s
dick_fineman@discuss.online 1 day ago
As an indigo child, who has mastered their internal chi and is a 9th-level chakra-warrior, I disagree. Do you even trataka, bro?
ipitco@lemmybefree.net 1 day ago
Unrelated but your instance is sexy
xeekei@lemmy.zip 23 hours ago
Wow, an Aqarius! Those are rare!