Unless you're going to go all in and really study this stuff like Lee and others, just give it to the robots and let their algorithm's do it for you. Then do your day job and go ski. The robots have treated me well.
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Unless you're going to go all in and really study this stuff like Lee and others, just give it to the robots and let their algorithm's do it for you. Then do your day job and go ski. The robots have treated me well.
can anyone explain this I-Bond thing? I have never heard of them before.
^^^when you say robots, what is that? They actually do better than s&p?
Interesting. My wife had to prints a form and take it to a bank to get her identity verified...I wonder if it is because she had identity theft awhile back? I recall my sign up was like you said, but that was years ago and thought maybe they changed the process.Quote:
Originally Posted by climberevan
Gov pays you an interest rate plus inflation rate. They set inflation rate couple times each year and the interest rate is set when you open. If you hold for a few years, no fee to close early. No taxes on gain if used for education. $10k limit per year via treasury direct plus you can do $5k from you tax return via tax forms.Quote:
Originally Posted by Danno
FIL has been doing these since they started them in the Clinton admin and has some with > 15% this year.
https://www.treasurydirect.gov/
https://www.nytimes.com/2021/11/03/y...tion-rate.html
Robo advisors. Low management fee and you control your risk rate. I went with Wealthfront years ago because our friend was the CFO. Others may have more to offer, but I'm happy with what they do. Tax loss harvesting is a nice feature.Quote:
Originally Posted by 406
https://www.nerdwallet.com/best/investing/robo-advisors
Yup ^^ I never considered myself sharp enough to do my own investing or even remember i had investmentsQuote:
Originally Posted by jackstraw
but i was just sharp enough to sign the paper work and it worked
I do my own taxes with Turbotax and like to do so to keep my eyes on everything. Do the roboadvisors make it simple to continue that or will it make me finally have to pay up for a pro? I'm not dong anything too crazy, but a couple special forms already (backdoor roth, S-corp etc.)
I use an online tax site that encourages you to give them some money if you want but its not really necessary, it fills in all the blanks from everybody who has given you money from investments or employment and sent info to the gov
does all the math, I pay online and don't even need a calculator ... super easy
IBond question. In order to get another $10k worth, does my wife need a separate account, or can I add her to mine as a secondary owner or beneficiary?
I bonds sound interesting for sure.
Personally I'm looking to buy an investment property out of state to take advantage of these interest rates.
Sell puts in blue chips you’d be buying lower anyway.
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Separate account number, SSN, etc.Quote:
Originally Posted by bagtagley
I’ve been looking into investing proceeds from a 1031 exchange into other investments. Looking like I’ll be going into some commercial and residential properties but for a while DSTs and REITs were on the table. Still might go into DSTs if I have enough left after other deals. $10k probably isn’t enough to do that kind of thing but if you end up wanting to invest more it can be a good option.
Buy 210cm Skis. Sell all the 20mm skis.
send all the money to me. from my perspective it's a wise investment. i feel like i cant go wrong w you investing you money in me. thank you.
Ultimately, this seems like a good answer. Because yeah, I don't really know what I'm doing and I'm not sure I'm motivated enough to achieve LeeLau levels of proficiency. Although all of the things he's said in here that I don't really understand do sound interesting.Quote:
Originally Posted by jackstraw
I used to use the Vanguard robo advisor and liked it. Once we got more $$ in there I decided to go with an actual advisor. Expense is .03% so not bad. I think the robo advisor is like .02% maybe?Quote:
Originally Posted by toast2266
Just opened a Treasury Direct Acct. Super easy. Gonna do one for wife too. Almost seems too good to be true. Like a CD, that actually gives a good rate.
Been wanting to buy a rental property, but that’s unlikely to happen anytime soon.
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Just dump it all in VOO, set it to reinvest all dividends, and stop stressing out trying to figure out how to outperform the market to eek out an extra 1% return while compounding your risk.
^^^if you don't want to gamble, that is what I would (am) doing, VOO, VTI, VNQ. But I'm not a large sum at one time. Buying mid-month Mondays. I'm guessing 2020's to look like 2000's.
I had thought OP was asking for more exciting options :-)
Breckenridge real estate.
Should we drop another $10k in Treasury I bonds right now or wait until later in the year?
So my method is boring. Very boring, but it seems to work. But you have to take the good with the bad. I don't try to time the market and generally follow the Vanguard/Bogleheads approach to investing.Quote:
Originally Posted by toast2266
Assuming the emergency fund, etc. is in place, then the investment priority is:Quote:
Bogleheads® emphasize regular saving, broad diversification, and sticking to one's investment plan regardless of market conditions. We follow a small number of simple investment principles that have been shown over time to produce risk-adjusted returns far greater than those achieved by the average investor.
1. 401k/403b up to the company match
2. Max out Roth
3. Max out 401k/403b
4. Taxable Investing
I don't think real estate is a bad option either...but besides that, I don't put money in too many other places. And though the robo advisors are a good concept, I think they are too costly (as are Target Retirement funds), when you can mirror similar principles for much lower expense ratios, especially with Vanguard Admiral funds.
Oh, I have another investing option: buying skis from Marshal's new ski company. https://heritagelabskis.com/
/\ /\ /\
Is that a No on the I-Bonds?
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Source? Seems Covid may have added as many or more than it took away.Quote:
Originally Posted by yeahman
Anecdotal. I spent a couple days working in a large facility that had closed 2 wings. Head nurse described the situation to me. Two other LPNs I was taking classes from said the same. I'm sure it is fluid.Quote:
Originally Posted by LongShortLong
High horsepower, limited edition, ICE cars.
Global warming is going to make cars that drive on ice go the way of the dodo.Quote:
Originally Posted by Bobby Stainless
[emoji38]
Thanks for supporting my claim. That's what creates scarcity.Quote:
Originally Posted by Peruvian
thems already expensive... while i'm sure they will appreciate, i'm looking for something with a lower entry cost.
ETH.
My man.Quote:
Originally Posted by byates1
Undervalued high yielding midstream stocks.
Google (Alphabet) is doing a 20:1 stock split in July. Could be a good time to buy a few shares now because you'll have 20X that amount after the split, and it's tough to see a juggernaut like Google being knocked off its perch by any new technologies that they don't already have their fingers in.
https://www.cnbc.com/2022/02/01/goog...ock-split.html
Oddly enough, even during a pandemic, this question is always relevant. For businessmen I even have stupid spam posts designed especially for you. But I would invest in spam, spam, eggs, and spam. Because if you are constantly engaged in your dumbass spamming you will have more annoying thoughts about future spam. Do you agree with me?:tongue:
Seems legit
Buy Rubles.
Wait a few more days (weeks?)
Like they say over in the bitcoins thread, buy the dip, eh comrade?Quote:
Originally Posted by riser4
I bought more I-Bonds today.