Investment BS Thread - Stocks/Futures/Mutual Funds/Bonds/Commodities/Options/ETFs/401ks/Etc

No prob. I did a LOT of research on this. I saved a lot over a few years, and had it tied up for a while. When I could invest it, I had to make the same decision as you. It's overwhelmingly better to dump it in. You can't time the market, and dollar cost averaging underperforms lump sum in most cases (unless you're very unlucky). I saw my initial investment go up, then get destroyed (late 2018), then go up a lot (2019), now you know what's happening. I haven't regretted it one bit.

 

The best day to invest was yesterday and the next best day is today.

Get that money in the market if you have it

 

Fixed

 

This is the answer!

If you do that, and then remember that your portfolio is like a bar of soap, the more you mess with it, the smaller it will get, you will succeed.

The average retail investor's returns are way below the market returns (probably due to soap analogy above). Buying SPY whenever you are able and sitting back would put you in the top 99% of all investors I'd bet.

 

copy all.

so do i split between my two biggest mutual funds? USSPX and USNQX? or would you pump it into one?

 

As for HOW to invest, I can't really help you there. I would just say, formulate a plan ahead of time that you plan to stick with for the next 10+ years. Dump it into that in whatever proportion you plan to utilize (50/50 or 25/75 or however you plan to do it). I don't think it matters much if you are willing to weather all ups and downs, not sell, and keep buying. I have 34 stocks that I roughly equally weight (I am a dividend investor), but funds are probably less risky.

 

gotcha.

I auto invest $100 each month into USSPX so I did 1K into USSPX and 2K into USNQX (considering it has the highest returns of all my MFs)

 

I like that "bar of soap" analog.

 

You just have to have a plan and stick to it. Even if it's not the best plan, it's better than no plan.

Just wondering, why do you use mutual funds instead of ETFs? Wouldn't SPY or VOO be cheaper to use as a vehicle for the S&P 500 than USSPX? Or QQQ instead of USNQX? I really don't know, just thinking it might be.

 

Holy moly going up to 4%... stair stepping back up today.

If I rotate my 401k back in I'll get everything at a 3% discount. Tomorrow is a make or break for me if I do nothing.

 

Up 18% today

 

Up 2.2% but I’m only playing with about $300, pennies compared to some of y’all.

 

Good stuff, none of us can beat the market long term with fancy candles and jug handles. Will just cost you money and time.

 

This will be lesson #2 for me to just chill tf out if it shoots past where I de-risked last week.

 

I have been reading about ETFs more. Need to learn me up some more and yes, eventually might transfer into ETFs.

 

Im keeping my IRA money on the sidelines until the first round of earnings comes in. Im predicting a dip then. This market is all over the place!!

 

Campbell Soup is increasing production in preparation for the coronavirus...

Get your soup now before they run out..

https://www.cnbc.com/2020/03/04/cam...uction-to-prepare-for-coronavirus-demand.html

 

I eat a lot of soup for dinner during the week, coronavirus or not. That probably has a lot to do with the investing success I have had ($1.50 for dinner). Those preppers better not buy it all up!

 

Mental note... Next global virus out break buy stock in Campbell Soup..

If there is a shortage blame @Boyk1182

I love me a good bowl of soup as well

 

QQQ, SPY & VOO owners;

Are you guys getting quarterly dividends AND end of year cap gains?!?!?