what should i invest in? Stocks? (mutual fund, redemption, fees, Fidelity)
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that is why i said what i did about questioning that consultant as to why . the term expert consultant can be like jumbo shrimp , pretty ugly and happily married .
but what if the stock market never bounces back? loss after loss, plus automation is going to end alot of jobs and many people will not spend money in companies or services one may have invested in.
If that happens, it will be because corporations en masse cannot make a profit. Think about what it would take for that to happen. A meteor striking Earth perhaps. The zombie apocalypse. North Korea figuring out how to nuke the world.
If global corporations are never able to be profitable again, the return on your investments will no longer be a concern.
There is a line of expert thinking that the high returns of the last forty years will not continue and that we are moving into a period where average investment returns will average 3 - 4 % lower. Central banks and governments have taken actions that will depress fixed income instruments and financial, technology, demographics, etc. will impact equities in a similar manner.
There is a line of expert thinking that the high returns of the last forty years will not continue and that we are moving into a period where average investment returns will average 3 - 4 % lower. Central banks and governments have taken actions that will depress fixed income instruments and financial, technology, demographics, etc. will impact equities in a similar manner.
True, but that's not a reason to avoid investing. It just means we have to adjust our expectation of what type of returns we're going to get.
Just get a balanced fund like VWELX or VBINX and just add money to it a few times per year.
I second this. I wish I had figured out that investing in a balanced fund (mix of stocks and bonds) was the best way to go. If stocks do really well, balanced funds will do well enough, but will still do ok. If stocks tank, balanced funds hold up better. There are no guarantees, but they're pretty steady, sturdy vehicles. Both Vanguard Wellington (VWELX) and Vanguard Balanced Index (VBINX) are good funds, although I prefer VWELX, as it has better returns (although that may not be true in the future).
There is a line of expert thinking that the high returns of the last forty years will not continue and that we are moving into a period where average investment returns will average 3 - 4 % lower. Central banks and governments have taken actions that will depress fixed income instruments and financial, technology, demographics, etc. will impact equities in a similar manner.
The past 40 years can't be regarded as being monolithic. 1976-1982 was lousy. 1982-2000 was sublime and probably inimitable. 2000-2016 has been as lackluster as essentially an period in modern history.
If going forward we average merely 3%-4% lower than the entire period 1976-2016, then we'd not be doing too badly. If we average 3%-4% lower than 1982-2000, then we'd be doing spectacularly well. If we average 3%-4% lower than 2000-2016, then we might as well bury cash in underground containers.
I second this. I wish I had figured out that investing in a balanced fund (mix of stocks and bonds) was the best way to go. If stocks do really well, balanced funds will do well enough, but will still do ok. If stocks tank, balanced funds hold up better. There are no guarantees, but they're pretty steady, sturdy vehicles. Both Vanguard Wellington (VWELX) and Vanguard Balanced Index (VBINX) are good funds, although I prefer VWELX, as it has better returns (although that may not be true in the future).
I like Wellesley better than Wellington. I think even this year, Wellesley did better than Wellington, something like 4.75% vs 3.39% YTD.
I second this. I wish I had figured out that investing in a balanced fund (mix of stocks and bonds) was the best way to go. If stocks do really well, balanced funds will do well enough, but will still do ok. If stocks tank, balanced funds hold up better. There are no guarantees, but they're pretty steady, sturdy vehicles. Both Vanguard Wellington (VWELX) and Vanguard Balanced Index (VBINX) are good funds, although I prefer VWELX, as it has better returns (although that may not be true in the future).
Holding both stocks and bonds and rebalancing works out the same way.
Just get a balanced fund like VWELX or VBINX and just add money to it a few times per year.
wow..those ETF's have done really well...almost as well as pure equity ETFs like SPY....how is that possible?
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