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Forum » Do you invest all your $ in the stock market? (srs)
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Thread: Do you invest all your $ in the stock market? (srs)

post 1625175593 12-11-2020, 02:57 AM
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Do you invest all your $ in the stock market? (srs)

Sitting on about 60k USD. I put about 40% of it into the stock market this week and im considering doing the same with 90% of my $. Is this a wise decision? For years my savings have been LDARing in the bank and i am in reality missing out big time because of inflation. 2 years ago i tried to get into crypto but i lost about 95% of what i put in. If i had put my money in stocks 2-3 years ago my money would be quadrupled by now!

Do you put all your $ into the stock market?
post 1625175853 12-11-2020, 03:02 AM
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Yes and it was the best thing I’ve ever done with my money



Letting your money sit in a bank is terrible, as you’re just letting inflation chip away at it (~2% per year)


I’d keep 6 months of expenses sitting in the bank for emergency purposes and invest the rest
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post 1625176313 12-11-2020, 03:17 AM
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im on that bear time and have been since december srs

dont regret it either i refuse to believe this **** will stay propped up the way it has for any more than a year and every week is just one step closer to the market chitting its pants

i definitely wouldnt drop 100% in expecting the market to keep following its current trend, but with that said me and the other retard bears have thought the same **** for the past year so fck it who knows
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post 1625176413 12-11-2020, 03:21 AM
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Originally Posted By ayyy⏩
but with that said me and the other retard bears have thought the same **** for the past5 yearsso fck it who knows
fixed

And to the OP, yes, 100% American Total Stock market funds as well.
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post 1625176713 12-11-2020, 03:29 AM
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If you're not all in the markets now...da fck u doing son?
post 1625183773 12-11-2020, 06:38 AM
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  1. MotorCityCobra
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Originally Posted By RealLifeAlpha⏩
Yes and it was the best thing I’ve ever done with my money



Letting your money sit in a bank is terrible, as you’re just letting inflation chip away at it (~2% per year)


I’d keep 6 months of expenses sitting in the bank for emergency purposes and invest the rest
yes this is the way and my approach. just waiting for a dip to put in the rest of my $
Originally Posted By ayyy⏩
im on that bear time and have been since december srs

dont regret it either i refuse to believe this **** will stay propped up the way it has for any more than a year and every week is just one step closer to the market chitting its pants

i definitely wouldnt drop 100% in expecting the market to keep following its current trend, but with that said me and the other retard bears have thought the same **** for the past year so fck it who knows
i have been on dat der beartime for many years, but i have missed out big time. now im on dat bulltime and going all in in stocks & ETFs srs
Originally Posted By MyBaddBrah⏩
fixed

And to the OP, yes, 100% American Total Stock market funds as well.
sure already have 15k in VTI going to buy som ARKK as soon as it dips a little
post 1625184243 12-11-2020, 06:45 AM
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I keep about 50% liquid and 50% in stocks. Planning on adding a couple of k every month into EV-s, Cloud based services & big ecom platforms
post 1625184283 12-11-2020, 06:46 AM
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80%
you should read this
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post 1625184423 12-11-2020, 06:49 AM
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  1. SoutheastBeast1
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I’m slowing dumping the vast majority of mine in too OP

I plan to only keep about 10k out.

As long as you’re putting 90% of it into relatively safe investments (ETFs and mutual funds) you’ll be fine.


If you’re talking putting it all into individual stocks then no I wouldn’t do that
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post 1625184643 12-11-2020, 06:52 AM
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Originally Posted By MotorCityCobra⏩
yes this is the way and my approach. just waiting for a dip to put in the rest of my $



i have been on dat der beartime for many years, but i have missed out big time. now im on dat bulltime and going all in in stocks & ETFs srs



sure already have 15k in VTI going to buy som ARKK as soon as it dips a little
Don’t wait for a dip

Not sure how much you have but just spread it out some over the next few months then continue adding whatever is left of your paychecks each month from there on out.

If the market nose dives then sure go ahead and try to drop it all in.

But by waiting and trying to time it perfect you’re just missing out more on long term gains


I was trying to wait for the perfect time all summer and now here we are and I’m just starting lol
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post 1625184693 12-11-2020, 06:53 AM
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Invest early and often. Keep 6 month emergency fund. Invest the rest.
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post 1625184743 12-11-2020, 06:53 AM
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Originally Posted By ayyy⏩
im on that bear time and have been since december srs

dont regret it either i refuse to believe this **** will stay propped up the way it has for any more than a year and every week is just one step closer to the market chitting its pants

i definitely wouldnt drop 100% in expecting the market to keep following its current trend, but with that said me and the other retard bears have thought the same **** for the past year so fck it who knows
2 more weeks right? LOL
post 1625184843 12-11-2020, 06:56 AM
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You are being forced to put your money in the stock market. The Fed will continue to prop up the market till the death of the dollar. My strategy is to pay off my mortgage this year and be debt free. Being debt free is most important even before investments.

I just got murdered on Silver options so it changed my tune.
post 1625186503 12-11-2020, 07:22 AM
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None of us are financial advisors (unless some miscer has identified himself as one), but I was in your situation back in June. I had saved about $40k as a house downpayment, but wasn't planning to buy until April 2021 closer to when my apt lease ends.
Rather than let my money rot in the bank account gaining 0.02% interest, I put that savings into my fidelity stock account - but not crazy risky ones. Actually I only split it into shares of 3 companies. I focused on picking 3 that I figured would do well by April 2021 in a semi-post Covid world. So my portfolio is split between Moderna, Disney and Southwest.

Having bought all of my Moderna stock at $68 (now $160) and Disney at $128 (now $155 but poised to explode this morning after last night's investor presentation), it worked out for me.

Again, not a financial advisor, but if I were in your shoes right now OP I'd be splitting that $60k among a few travel stocks.
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post 1625186933 12-11-2020, 07:29 AM
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Fortunately for me, I have $3,700 a month every month in retirement. So I don't have to play too hard in my portfolio. I do have about 10% of my investments in actual precious metals. I have very little in the traditional stock market. I have some in crypto but not a lot. Most of my assets are in the equity of my home (150K or more in equity).
post 1625187323 12-11-2020, 07:36 AM
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Originally Posted By hendrixfreak70⏩
Fortunately for me, I have $3,700 a month every month in retirement.
What kind of accounts? A 401k, annuity, IRA, roth IRA?
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post 1625187553 12-11-2020, 07:39 AM
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I keep 3 months expenses in a money market and everything else is in stocks / etf’s. My wife works so I can’t see us both out of work at the same time. Have made really good gains and don’t see any reason to sit on a ton of cash.
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post 1625188653 12-11-2020, 07:54 AM
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If you had 50k, would you drop it into a mutual fund at one time? Or should you do 1/4 over the course of a 4 months for dollar cost averaging?
post 1625189803 12-11-2020, 08:10 AM
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Bout (3)50/50 brah.

Not on beartime or bulltime because my investment horizon is 20 years at least.

Just that 2020 brought back the value of cash.

I’ll probably gradually change the ratio to 70 shares and 30 cash over the next year or so.
post 1625189943 12-11-2020, 08:12 AM
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I funnel most of my extra income into VTI. Save the rest in vanguards money market account for my next rental property.
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post 1625190493 12-11-2020, 08:22 AM
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Yes. More now than ever. We in hyperinflation mode.
post 1625190773 12-11-2020, 08:25 AM
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Originally Posted By LurkoLantern⏩
What kind of accounts? A 401k, annuity, IRA, roth IRA?
I have a Roth IRA, but it's not the source of my retirement. I was probably a tad misleading. And technically, only a portion of that $3,700 is from retirement. The majority of that is from being 100% VA-disabled. The other small portion is from retirement from the military.
post 1625190913 12-11-2020, 08:27 AM
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Originally Posted By Stm782⏩
You are being forced to put your money in the stock market. The Fed will continue to prop up the market till the death of the dollar. My strategy is to pay off my mortgage this year and be debt free. Being debt free is most important even before investments.

I just got murdered on Silver options so it changed my tune.
This guy knows what's up.

Also, strong post count to join date ratio.
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post 1625190963 12-11-2020, 08:28 AM
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Originally Posted By isawthesign⏩
If you had 50k, would you drop it into a mutual fund at one time? Or should you do 1/4 over the course of a 4 months for dollar cost averaging?
All at once

If you inherited a 50k stock fund from a deceased relative, would you sell it and then slowly drop it back into the market? Of course not. Same thing
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post 1625191353 12-11-2020, 08:33 AM
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Originally Posted By MotorCityCobra⏩
Sitting on about 60k USD. I put about 40% of it into the stock market this week and im considering doing the same with 90% of my $. Is this a wise decision? For years my savings have been LDARing in the bank and i am in reality missing out big time because of inflation. 2 years ago i tried to get into crypto but i lost about 95% of what i put in. If i had put my money in stocks 2-3 years ago my money would be quadrupled by now!

Do you put all your $ into the stock market?
At this time, I would be careful about being overly aggressive, as valuations are very high and the world is kind of unstable.

However, yes, you should absolutely be investing.

The "old rule" was "your age in bonds" - for you, 30% bonds and 70% stocks. I don't think this is a bad policy right now.
Nah, fukk that. I’m not doing that.
post 1625191413 12-11-2020, 08:33 AM
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We don't. One, because we don't really understand the stock market as well. Two, the risk is too high IMO.

Only thing I use for buying stocks is whatever Fidelity decides to do with my retirement funds (which aren't much right now, like 20k).

We invest in real estate. Specifically buy and rent. Still looking for a multi-family apartment complex to invest in the midwest.
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post 1625192243 12-11-2020, 08:40 AM
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Originally Posted By hendrixfreak70⏩
I have a Roth IRA, but it's not the source of my retirement. I was probably a tad misleading. And technically, only a portion of that $3,700 is from retirement. The majority of that is from being 100% VA-disabled. The other small portion is from retirement from the military.
Ok that makes more sense. I was thrown for a loop since a lot of the traditional retirement accounts have annual max limits that $3700/mo would blow past
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post 1625192443 12-11-2020, 08:43 AM
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Originally Posted By LurkoLantern⏩
Ok that makes more sense. I was thrown for a loop since a lot of the traditional retirement accounts have annual max limits that $3700/mo would blow past
Even though it isn't a retirement, it's just easier for me to call it that lol. I can pretty much treat it like it's a retirement. I am now permanent and total, so I feel pretty safe in saying that I will have it for life.
post 1625193903 12-11-2020, 08:58 AM
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90% Stocks 10% cash. And if the market dips far enough I'm comfortable with adding an additional 5% into stocks and only holding 5% cash until I can stack it back up to 10%. Otherwise I dollar cost average into the market every month. I've consistently gotten 10-30% returns. Worse I've ever done is 7% through an investment broker my bank set me up with. No thnx Jeffry. I'll manage my own money. 5% of my cash reserve is an emergency fund. The other 5% is for opportunities. Such as a big market dip or a down-payment on a rental property that might pop up, etc.



Unless your looking for a buying opportunity (Real estate, a small business, a home, etc.) cash is worthless. It actually decrease in value due to inflation.
post 1625195013 12-11-2020, 09:10 AM
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Don't put your entire savings in it, that would be stupid. $10k would make you crazy gains if you find the right stock. Tesla was $72 back in march and is now $640
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