leftwinger
Diamond Member
40% the Obiden Fluffer states? Uh where is that?
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Total stock market index funds are extremely diverse. It’s the total stock market. I’d say a portfolio like you suggested is quite unbalanced.The numbers are there. If you are in a diversified portfilio (Bonds, Fixed, Large, Small, International) depending on your mix you made less than going "all-in" on Large Caps. Exactly as I said from post #1 Day #1 forever.
If you were a big shot day trader with unlimited risk.....then you could have made more per year all in large cap stocks if you picked the right ones. My account is now starting to pay off. Steady increase. On MKT down days I no longer go down as much as the S&P market funds. I can't afford to lose 33-50% again like during the housing crash caused by Congress.
Diversification is an investors friend. Not an enemy.
Uh....earth to big mouth with crazy talk? EVERYONE is in funds as you post? Target funds or select a bunch or risker funds in your 401K or IRA.
Here are some Target date funds in John Hancock. Not one is up "40%" over 5 years. SHUP about it.
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SP500 was 3700 when Biden took office. It’s now 5200.
Betcha 2 Grand Trump beats Biden's ass in November.
It's all the money I have in the World, but I'm willing to put it down.
It's all inflation dollars.
You're doing okay so, fuck everybody else.There is a lot of difference between suffering and being annoyed. I an not of the wealthy class, an hardly suffering, actually increasing, even on relatively fixed income. The suffering is the most overhyped BS to trumps have put forth, since the stolen election BS. I just can't work up a good suffer, to they can go on, without me, if all the same to you, or actually, even if it isn't.
Total market funds. Have you ever heard of them?
VTSAX is up somewhere around 40% since Jan 2021.
Not target date funds. Not actively managed funds. Not niche funds.
Total market.
But a nice reminder of how production and prices keep outpacing wages.The market is a complete distortion...
SP500 was 3700 when Biden took office. It’s now 5200.
Thats 40%.
Index funds most certainly are available to the average person and are widely held. They’re no more risky than holding some random small cap or mid cap actively managed fund, but are typically cheaper. We’ve known for decades that index funds are by far the best option for the vast majority of investors.In raw numbers I would agree with you. 500 stocks are up (5200-3700)/3700 =~41%. But again that is Growth funds. More risky.
Those available to the AVG joe did not perfrom that well. Sure if you picked the right mix of a few stocks? Up 6% YTD? Big deal. Money market is 4.5% for high investment.
Why do John Hancock numbers not exactly agree with you? Over 5 yrs they state 13%. They don't show any 4 yr gains. 3yr gains show 8%
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In raw numb
Index funds most certainly are available to the average person and are widely held.
The purpose of a target date fund is that it’s all you have to invest in to be properly diversified and ease into bonds closer to retirement.No I did not "know that". Thank you. All of those funds say 1YR, 3YR, 5YR and they have a percentage below them. I guess I better dig back into it and see exactly what they are showing? I see some other verbage there like Monthly gains vs. Quarterly? I was not concerned with that at the time.
This is the John Hancock 401K available to workers. We get to pick and choose plans only. At one time I put 5% into each one up to 20 of them. Then I gave up and went 2045 target date, about the same results. They all buy Amazon, APPL, FACEBOOK, Chevron etc. anyways All I know is I live in the real world.
Personalized rate of return is shown below by year for an IRA. I have 401K and IRA, both somewhat tracking the other. I pick funds in the 401K. My advisor picked the IRA funds, I am making ~8% YTD.
Last yr made 17.5%. Lost 20% in 2022. made 8.5% in 2021. Lagging the S&P 500 numbers posted below, especially 2021 when my new Bonds got created.
In a big crash....the S&P will crash more and I would crash less? that is the hopes.
The gain shows ~40% below for S&P over the last ~4 years if you do the math. Where as my plan is only 13% or so with a bad start adding in Bonds. They keep telling me that it will correct. And I do see signs of that.
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Very true, in theory.If you arent going to retire for 20 years, you can still tolerate plenty of volatility.