Investors: What funds do you invest in

[darthseinfeld]

For me I max out my Roth, then put whats left into a regular brokerage. I do a 3 fund in each as well as putting a small percentage into blue chips

Im with Fidelity, so for my tax advantaged I do Fidelity Mutual Funds

Fidelity Zero Total Index Fund (FZROX) for my domestic

Fidelity Diversified International Fund (FDVIX) for my international

Fidelity Investment Grade Bond Fund (FBNDX) for Bonds

Fidelity Blue Chip Growth Fund( FBGRX) for blue chip.

For my regular brokerage, I do mostly Vanguard ETF's

Vanguard Total Stock Market Index Fund (VTI......and chill) for domestic

Vanguard Total Stock Market International Fund (VXUS) for International

Ishares 1-5 year corporate ladder (LDRC) for bonds

Vanguard Mega Cap Growth ETF (MGK) for Blue chips

 

[Hardline]

Right now physical gold and silver and my 401k.( it's doing great right now)
I need to talk to a financial advisor to see what to do with a six figure savings account. I know I shouldn't just have that much money just sitting there earning peanuts in interest.

 

[Rockport]

As of today I own 64 stocks, bonds and funds. It changes daily as it’s professionally managed. I turned all that over a few decades ago because I realized I had no clue about the market. Best decision I ever made as they know how to take advantage of overall market trends both nationally and internationally, dividend payouts, potential mergers, etc., etc., etc.

Good luck to you. I’m sure you know a hell a lot more about it than I ever will. Go forth and prosper!

 

[darthseinfeld]

Right now physical gold and silver and my 401k.( it's doing great right now)
I need to talk to a financial advisor to see what to do with a six figure savings account. I know I shouldn't just have that much money just sitting there earning peanuts in interest.

You can always do CD's if you dont want to put it in the market

 

[darthseinfeld]

As of today I own 64 stocks, bonds and funds. It changes daily as it’s professionally managed. I turned all that over a few decades ago because I realized I had no clue about the market. Best decision I ever made as they know how to take advantage of overall market trends both nationally and internationally, dividend payouts, potential mergers, etc., etc., etc.

Good luck to you. I’m sure you know a hell a lot more about it than I ever will. Go forth and prosper!

Who do you use for management?

 

[darthseinfeld]

Right now physical gold and silver and my 401k.( it's doing great right now)
I need to talk to a financial advisor to see what to do with a six figure savings account. I know I shouldn't just have that much money just sitting there earning peanuts in interest.

A good thing about a strong 401k is you are less risk adversed. I have a strong 401k too. With my 401k and pension, Ill make about 120% more in retirement than I am now. And thats with me collecting at 59.5.

A good manager can get an annual return % on par with what your 401k manager does. Maybe even more if you are less risk adverse

 

[Rockport]

Who do you use for management?

Originally, my advisor worked for Merrill Lynch. Him, and a few of his co-workers, left and formed their own company called OpenArc. I believe their minimum for using them is a $250k balance but that may have changed over the years.

 

[Rockport]

A good thing about a strong 401k is you are less risk adversed. I have a strong 401k too. With my 401k and pension, Ill make about 120% more in retirement than I am now. And thats with me collecting at 59.5.

A good manager can get an annual return % on par with what your 401k manager does. Maybe even more if you are less risk adverse

Yep and usually much better because they know the intricacies of the markets and how to take advantage. I also have a 401k from my job I just retired from which a contributed 10-13% over the years. At some point, I’ll roll that over to my managed brokerage account and let them do their magic. I’ve done that twice over the years.

 

[CalPolyTechnique]

Right now physical gold and silver and my 401k.( it's doing great right now)
I need to talk to a financial advisor to see what to do with a six figure savings account. I know I shouldn't just have that much money just sitting there earning peanuts in interest.

Ah, the doomsday prepper plan. Who’s your financial advisor? Your youth pastor?

 

[Rockport]

Ah, the doomsday prepper plan. Who’s your financial advisor? Your youth pastor?

Sounds like a prepper. Golds down almost 13% in the last year so he’s probably stuck and can’t take the loss.

 

[YosemiteSam]

S&P 500 Index funds are always a good choice as long as you set them and forget them.

Gold and Silver has been falling from it's January / February highs and is likely to continue to trend downwards as they are both massively overpriced.

One the best reasons to be in something like the S&P 500 Index fund is 2-fold. A) it's hard to beat it, most pros even fail to match the S&P 500. B) Every time you sell, you get taxed (unless you're in an actual retirement plan) which limits your investment power and negatively impacts your final goal.

If you're out of the market now (like say the Money Market) it might be better to stay liquid as something is definitely brewing. If you're already something on the safe side like the S&P 500 and have time to ride out the coming recession. It's probably best to just forget you have it and go forth. (and continuing to contribute to it)

If you're about to retire within the next 1-5 years and you're in something like likely will get slammed, you may want to consider a more conservative place to hide your money. As for what is best, that's a very good question. I have a feeling there might not be a lot of safe places. Bonds are probably going to get crushed by stagflation.

 

[CyberB0b]

80% SP index fund 20% in various individual picks.

 

[YosemiteSam]

oh btw. When it comes to gold, I tend to like gold mining stocks during a recession over actual gold itself. The primarily reason is they produce gold and the price of mining that gold generally doesn't spike during a recession, yet the price of gold increases. So, the gold miners have a somewhat relatively fixed cost to mine, but the price of the product they are mining goes up and they have a supply of it rather than a single amount of it.

• Buy one gold bar.
  
• Buy a gold producer

 

[Creeper]

I keep an eye on Treasury Bill rates and invest in those if the rates are good. I was investing in stocks for a while. I sold AMD way too soon but still got a good return on my investment.

 

[darthseinfeld]

I keep an eye on Treasury Bill rates and invest in those if the rates are good. I was investing in stocks for a while. I sold AMD way too soon but still got a good return on my investment.

Ya I bought some Bit when it dropped to 16k. I lost a bit (pun intended) selling to early. I still doubled my investment though. Just didn't want to hold crypto too long. Dont trust it

 

[CalPolyTechnique]

I don’t think you can go wrong with an index fund like VOO; invest in the overall market.

 

[Rockport]

S&P 500 Index funds are always a good choice as long as you set them and forget them.

Gold and Silver has been falling from it's January / February highs and is likely to continue to trend downwards as they are both massively overpriced.

One the best reasons to be in something like the S&P 500 Index fund is 2-fold. A) it's hard to beat it, most pros even fail to match the S&P 500. B) Every time you sell, you get taxed (unless you're in an actual retirement plan) which limits your investment power and negatively impacts your final goal.

If you're out of the market now (like say the Money Market) it might be better to stay liquid as something is definitely brewing. If you're already something on the safe side like the S&P 500 and have time to ride out the coming recession. It's probably best to just forget you have it and go forth. (and continuing to contribute to it)

If you're about to retire within the next 1-5 years and you're in something like likely will get slammed, you may want to consider a more conservative place to hide your money. As for what is best, that's a very good question. I have a feeling there might not be a lot of safe places. Bonds are probably going to get crushed by stagflation.

Long term investing with a balanced portfolio is the key

 

[YosemiteSam]

I keep an eye on Treasury Bill rates and invest in those if the rates are good. I was investing in stocks for a while. I sold AMD way too soon but still got a good return on my investment.

I keep an eye on them for my liquid funds, but my current money market account has approximately the same return rate as their 4-week t-bills. Same return without the impaired liquidity. If I start cashing out other investments, that is when I really start to look higher return t-bill durations.

 

[Bigdog]

I have a Roth IRA, small TSA, and my pension. Also found out that I do collect social security but probaby won't take until 67 to get the max. I also have a supplement retirement from my pensionas I work beyond my contractual service days. Everything is going well although my return on my Roth was much better a few years ago than the past 18 months. Also have stock in some companies.

 

[nightrain]

Oddly enough, and not including the internet craze of 1997 - 2001, I have become a much more aggressive investor since I retired in 2022. Big on Tech with my most significant holding (30% of stock portfolio) in USNQX (Nasdaq 100 index). Love Large Cap Growth prospects most.