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Daily Advice Thread - All basic help or advice questions must be posted here. July 21, 2021

Daily Advice Thread - All basic help or advice questions must be posted here. July 21, 2021

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seareech

I would love to know since when everyone hopped on the VTI and others ETF bandwagon


Wraith_03

Do I need a CFD account on CMC markets to invest in the S&P/ASX 200? OR should I choose an ASX200 ETF? I am new to investing and want to drop $1000 into the S&P 200. Research I've done so far indicates that investing in an index is best for me; I don't have the time or temperment to research and pick individual companies. Set and forget works for me and I'm fine playing the long game. However, I'm still getting my head around some concepts, such as whether I need a CFD account to invest in an index. If so, what would be the difference between using a CFD account and putting money into a index ETF?


fknwotmate

Hey everyone, I'm pretty new to the Australian investment game but over the past few months I've saved up about 1k and I want to invest in a stock that is almost guaranteed to increase. I'm not looking for short term wins and day trading, I just want to put some money into something so it can slowly grow and pay out money to me gradually. I'm working part time at the moment and earning between 5 and 900 a week. I just moved out of home so expenses at the moment are a bit steep but I'm saving as much as I can to put into this (at least 10%). Any advice is really appreciated Cheers, Fknwotmate Edit - country


SillyAd7557

I think I may have messed up for 2020. I am self employed and have my small business matching my 401k at 100%. For 2020 I maxed it at $57,000 but I also sent $6000 of my post tax w2 earnings to a Roth IRA. Did this mean I went over the legal limit? I think I did the same thing for 2019 as well.


antoniosrevenge

No, IRA and 401k are separate limits, even for a Solo 401k, main effect would be on pre-tax Solo 401k contributions [reducing MAGI](https://www.mysolo401k.net/does-contributing-to-my-solo-401k-plan-affect-my-eligibility-to-contribute-to-my-ira/) to allow for direct Roth IRA contributions You do need to have [sufficient revenue ](https://www.mysolo401k.net/solo-401k/solo-401k-contribution-limits-and-types/) to be able to max out the Solo 401k though


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Successful_retired_7

This does not sound good. Try contacting his broker and see if they can monitor his account (or at least report to you any suspicious activity), or put limits on trading activity/dollar amount. A friend had a parent who was making irrational decisions and went to court and had a custodian assigned to manage his accounts. Would be surprised if Canada would not have similar provisions.


heyimderp

My previous employer had an ESPP. I've recently left that job and I'm trying to determine whether I should sell or hold. It's a good company, stock seems to be doing well. It might be something I'd invest in on my own but I don't know if I need to sell to essential "lock in" the profit from buying at a discount. I don't need the money in the short term. What should I do?


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123Nebraska

Hi, I have some stock in ASTRA SPACE INC COM CL (ASTR) and am noticing it keeps being pushed below $9.50 Anyone else notice this?


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antoniosrevenge

If you expect to earn more than $300 compared to how much you’re investing and it’s return over the course of the year then yes


Artistic_Disk3743

Using ATR Trailing Stop on ETFs Hi all, I’m fairly new to all this but have been doing some swing trading as well as day trading and I’m looking to increase my position size on my ETFs, currently SPY, QQQ, and VGT. I am considering more active and perhaps effective approach to managing stop losses on ETFs than just holding or cutting losses at 10%. I’ve seen plenty of info saying to basically just hold forever but have been able to take profits and enter at a lower price on more than one occasion with these ETFs. Even if it wasn’t a perfect re-entry, it beat just holding. On SPY, I’ve seen that anytime there’s a 1% (mostly) there’s an opportunity to re-enter for less just a few minutes later. Of course there’s the risk of missing out on some huge bounce back after the fact but I’d honestly rather risk missing a big jump than risk being part of a big drop. I’m particularly weary about a gain turning into a loss, especially considering the spread for these ETFs is generally so minimal. I’ve considered 1% for SPY and 2% for QQQ/VGT as they’re generally regarded as more volatile but as I look at the price action history, a 1% doesn’t seem horrendously off base. I’ve also considered just setting the stop loss above my average buy price but that seems more rooted in emotion than in technique. The peak ATR over 14 days for SPY and QQQ is about 1.25 while VGT is 2. Thank you all for your time and input.


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chuckwow

I am not a financial advisor. 1) Look in to opening a Roth/Traditional IRA. 2) Determine when you would need that $20k(?) cash. If 10+ years then equities/ETF should work out. If 1 - 10 yrs may not be sufficient time to recover should market correct/bear/crash at an in opportune time. 3) If just 1 - X years, consider Target Retirement Fund to conservatively balance risk/reward. 4) Also, SoFi and PersonalCapital offers "free financial consultation." I don't know if any good, but it's free.


JWJ212x

if i only make around $200-300 with my part time job, but want more money is there any good ways to invest? i get so confused with all the info and have trouble understanding it maybe someone here can explain better to me


antoniosrevenge

You can invest with any amount of money, but first have to determine if investing is the next right step for you given your short vs long term goals Assuming you’re in the US - follow the steps in the [PF prime directive ](https://www.reddit.com/r/personalfinance/wiki/commontopics)


JWJ212x

okay, thank u for the advice hopefully one day itll be nice not to have money troubles if im lucky to make enough from investing


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maz-o

well since you technically will be holding different individual shares it won't make any difference whatsoever


greytoc

If you are in the US, the only time that this can be an issue is if you sell for a loss in one brokerage and you buy back before 30 days in another. In that scenario if you are using taxable accounts, you would have a wash sale that neither brokerage will know about. And the cost-basis on the new tax lot will not be adjusted correctly. So you have to manually disallow the loss on the sale when you file your taxes. And adjust the cost basis on the purchase appropriately.


TheRedWon

It's fine.


The_Sir_Lancelot

Question for those that have a better understanding of mergers and acquisitions, if you have stocks of an acquisition company (let's use [NEBC](https://www.marketwatch.com/investing/stock/nebc) as an example) and they close on their business combination, creating a new ticker (ROVR in this instance for their merger with Rover.com), will your stocks now be under the ROVR ticker, or still be under the NEBC ticker separately?


TheRedWon

Your stocks will be under ROVR.


The_Sir_Lancelot

Ok, that’s what I was thinking. Appreciate it.


Trader4Days

Anyone here cashed out all their individual stocks to put it all in broader funds? Would like to hear how things turned out. thanks


iWillNeverReplyToYou

I started in February with all kinds of trendy crap that went underwater immediately. I've since learned the gospel of /r/Bogleheads and have been cashing out of that stuff as it approaches breaking even and buying VTI, VEA, and VWO (total U.S., total Developed World, total Emerging World). VTI is my best performer. Foreign stocks were doing well, but now they're a little bit underwater due to Covid, but I'm optimistic they'll bounce back soon. Overall so far so good. The point of the strategy is to never have to spend any time thinking about the market and you're guaranteed average market returns, which compound over decades setting you up for retirement.


savinger

My S&P500 is outperforming everything but my tech stocks and I sleep like a baby.


Jetpak911

I have about US$300K of my mom's cash that I would like to invest carefully instead of just letting it sit in savings. She's 95 so it's not an "investing for retirement" scenario. I'm keeping a separate savings fund to cover her expenses for the next couple of years. After that I may need to start selling off any investments made now. I am recently retired, 60 y/o, living in US, and have my own retirement investments from 30 years adding to a fairly conservative portfolio via 401k/IRA/HSA in stocks/bonds/cash. So that's what I know best. I'm pretty sure I'd like to go mostly with ETFs for this new money just to keep it simple. I can handle some risk (10% fluctuations) but don't want to go too far out on a limb. My biggest question is perhaps what, if any, I should put into bonds? Interest rates these days don't make them very attractive and possibly not for some time? Also -- what is really meant by "cash" investments in a portfolio? Is that just high yield savings or CDs, or some other vehicles as well? Would appreciate any advice in this situation.


Trader4Days

i think if you need liquidity bonds aren't a bad idea


456M

Is any part of this $300K going to your mom or will it all be part of your portfolio?


Jetpak911

If I understand your question correctly -- the 300K is separate from money I'm keeping in savings for her living expenses. I also have about $200K of hers in a fairly low risk diversified managed portfolio at TIAA.


456M

I guess I was a little confused about this part here > I'm keeping a separate savings fund to cover her expenses for the next couple of years. After that I may need to start selling off any investments made now. If you're expecting to utilize any of this money in a couple years I would be very conservative with its allocation. However you also say you have an additional $200K of hers invested so I'm not sure which of these two funds you intend to utilize. In any case, given her age, I would look into Vanguard's Target Retirement and Life Strategy funds and try to match their allocation depending on your goals and risk tolerance.


Jetpak911

Thanks - yes my post was wobbly. I was trying to keep the "other info" out so as to not confuse my question. I consider the 200K in TIAA to be quite safe based on my long history with that org, and what kind of account it's in. It's a money market account with \~80% bonds/cash, and the other 20% is in conservative index funds that they manage. I was at first planning on taking the 300K and just plopping it in there (it's a sweep account and FDIC covered to $500K). But then I started thinking maybe I could do a little better with some combo of ETFs e.g. SPLG, VV, MGC.


456M

Using a similar allocation for the $300K as the $200K in TIAA sounds like a good option. My only concern is the management fees and expenses you're paying TIAA for their services. I don't know specifically what they charge but I would verify the costs and make sure you're not overpaying.


Jetpak911

Thank you! I have been wondering about that myself lately now that I've been investigating ETFs. Their fees are 1% at 100K-300K level. I'm realizing that now that is a lot considering most ETFs I've been looking at are below 1%. I started putting money in there a year or so ago because I trusted them based on my long relationship, but that only goes so far. Also I was wanting my $ FDIC covered. Not sure now if that makes any sense. My return there is around 8%, which I'm realizing now is fairly average (or below) for the past 16 months market.


456M

May I suggest heading over to the bogleheads.org forums and asking the folks over there? I believe they can provide you with much better advice and feedback regarding your situation given the wealth of knowledge and experience they have. Good luck!


Jetpak911

Thanks for the pointer!


BlueLondon1905

Are you allowed to invest in the same security in both a Roth IRA and an individual brokerage?


InvestingNerd2020

Yes!


kiwimancy

Yes but watch out for wash sales. If you sell for a loss in the taxable account and buy it in an IRA within 30 days before or after, the loss will disallowed on your taxes and that tax deduction will be lost permanently since cost basis doesn't matter in an IRA.


BlueLondon1905

Fantastic thanks. I plan on keeping everything for years, so it seems like I have nothing to worry about then


greytoc

Just to clarify what u/kiwimancy \- you still have to treat that sale as a wash sale if it's a loss. If you are buying the security in your ROTH after you sell it in your taxable account as a loss, it is likely that your broker will not tag the sale in your taxable account as a wash sale. You are technically required to mark that manually as a wash sale when you do your taxes.


BlueLondon1905

Gotcha, thank you. I never sold anything, only bought, so for now, I don’t have to make any moves.


Nimku

Quick question on buying call options: If I purchase a call option, and then sell that call option, am I now on the hook for the underlying stocks or is it the original writer of the option contract who remains responsible to fulfill the contract if it is exercised?


greytoc

If you are the owner of an option (either a put or call), it is you that has the right to exercise that option. If you sell that option, you lose that right to exercise the option. At no time, do you have any assignment risk because you decide as the option owner if you want to exercise the contract. Hope that makes sense.


Nimku

Thanks! I went to buy a call option today only to find out I need to wait 1-2 days for my platform to enable it for my account. Now here I am watching the ask price go up and up and up!


jaesgentile

AMD or NVIDIA?


savinger

Apologize for the lazy answer, but SMH.


edwardgentile

So I'm about as brand new as it gets when it comes to investing. I'm reading all that I can about company and stock valuations. But (unless I'm misunderstanding, which could very well be the case) I'm seeing that a lot the best performing stocks act counter to what fundamental theory suggests. Most of the best stocks today are considered wildly overvalued. So my question is -- what stops a person from simply opening a stock they like in Yahoo Finance, comparing its chart against the last 5/10/whatever years of the market, seeing that it reliably beats the market, and just parking money there? What blind spots does this open up?


savinger

"Past performance is no guarantee of future results" is generally treated as a warning label: Don't assume an investment will continue to do well in the future simply because it's done well in the past. Indeed the greatest gains are likely to come from stocks that have yet to run up. Case in point: small-cap value generally outperforms the rest of the market. Don't buy the chart, buy the company!


Trader4Days

What would you do with $30,000 if you magically got it today?


InvestingNerd2020

ETF SCHX since it has outperformed VTSAX and VFIAX.


savinger

**Safe** Vanguard Target Retirement (pick the year you'd like to retire) [https://investor.vanguard.com/mutual-funds/profile/VFFVX](https://investor.vanguard.com/mutual-funds/profile/VFFVX) **Moderately Aggressive** VTI 42%, VEA 24%, VWO 12%, AVUV 14%, AVDV 8% [https://www.optimizedportfolio.com/ben-felix-model-portfolio/](https://www.optimizedportfolio.com/ben-felix-model-portfolio/) **Aggressive** UPRO 55%, TMF 45% [https://www.optimizedportfolio.com/hedgefundie-adventure](https://www.optimizedportfolio.com/hedgefundie-adventure)


Artistic_Disk3743

Can anyone let me know why this is downvoted?


InvestingNerd2020

Target date funds are overly invested into bonds, which are underperforming. Especially with 5% inflation.


Artistic_Disk3743

Ahh thank you


greytoc

Well... This is Reddit. But if I was to guess - it's probably the UPRO, TMF - the use leveraged funds can be considered a few rungs beyond aggressive. And leverage funds are not designed for long term holdings.


Artistic_Disk3743

Haha that makes sense. I also learned what TMF stood for and was like “well there’s a start”. Looking to move some of my money into ETFs so I’m on the hunt for collective wisdom. Thank you.


456M

VTSAX and Chill


redratus

Why would it be better to do the mutual fund VTSAX rather than an ETF like VTI?


456M

Doesn't make a difference either way. I buy VTI, because I invest as a foreigner thru my brokerage, and they have restrictions with mutual funds.


redratus

Yeah I like to do frequent small fractional contributions, fidelity seems to req minimum 2500 purchases. So far it has been easier to just buy the etf fractionally


456M

Yup! If I had the option I'd definitely do VTSAX for the fractional share option.


Trader4Days

wise man


UnderQualifiedPilot

Go buy a house lmao


redratus

Buy a house in Africa!


Trader4Days

lol i wish i could use 30k as a down payment where i live. smh


UnderQualifiedPilot

I don’t think anyone can, but 30k rn would go along way with what I have saved up already


Trader4Days

that's a $150k mortgage. possible in a lot of the country, impossible in a lot of the country


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Sea-Sail5759

For my Fidelity ROTH IRA, currently putting 100% in FSKAX. Wanted to see if anyone can give any input on that and what other fidelity funds might be a good idea to mix in, if any. Won’t be pulling from it for about 25 years but want to make sure I’m putting the money to best use. Thanks!


Trader4Days

second a two fund, with shifting to three fund as you get closer to retirement


antoniosrevenge

FSKAX is just a total US stock fund, a [three fund](https://www.bogleheads.org/wiki/Three-fund_portfolio) portfolio is recommended for long term retirement invest (or two fund if you don’t want bonds), so would need to add FTIHX to fit in with that


ContemplativeVoid

Any reason to pick those 2 index funds instead of their zero fee alternatives? FZROX & FZILX


antoniosrevenge

No you can use those if you want to instead, as noted on the Boglehead’s page, you noted using the non zero fee so I just mentioned the international equivalent for that one


Sea-Sail5759

What kind of allocation should I have? Like 80% FSKAX, 20% FTIHX?


antoniosrevenge

The link I provided has several examples, generally range from 80/20 to 60/40 US/international


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bzzking

I am voting on O Realty Income Corp and not sure what this issuance means. Does this mean it will create more shares to sell, decreasing stock prices? >A proposal to approve the issuance of Realty Income common stock, par value $0.01 per share, in connection with the transactions contemplated by the Agreement and Plan of Merger, dated as of April 29, 2021, as amended, by and among Realty Income, VEREIT, Inc., VEREIT Operating Partnership, L.P., Rams MD Subsidiary I, Inc., a wholly owned subsidiary of Realty Income, and Rams Acquisition Sub II, LLC, a wholly owned subsidiary of Realty Income (which we refer to as the "Realty Income Issuance Proposal").


SirGlass

At a quick glance it looks like Realty Income Corp is buying VEREIT Operating Partner. Now this is a stock deal so essentially O will issue new stock and the holders of VEREIT will take it basically as payment. So yes O will have more stock what dilutes each share holder ownership of the company, however the company will be "bigger" as it will absorb all of VEREIT . So each O share holder will be holding a smaller piece (% wise) of a bigger pie. Now is this a good or bad thing? It really depends if you thing buying VEREIT is a good move at the price they are paying for it If you think its a good deal, you will be holding a smaller piece of a much bigger pie , but you piece will still be worth more because the pie is so much bigger Or if you think its overpaying your slice got smaller but the pie didn't get much bigger. I have no details on the deal so I cannot comment if its good or bad


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stvaccount

Depends on how much the investment is in comparison to the commission you pay. If it's 20$ or 50$, then invest into the new ETFs. If it is normal sums (e.g. 500$+ per etf) then (2.) is better.


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stvaccount

Then do 2.!


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stvaccount

bonds underperform (e.g. read Peter Lynch) stocks. If you need more conservative options, look at real estate investments later on.


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harris0n11

What are some ways to invest for my child’s future? They’re quite young and may or may not attend college. I don’t want them to be penalized for not attending university.


TheRedWon

UGMA/UTMA


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FromBayToBurg

>529 for non college expenses now Extremely limited for pre-college expenses (up to $10k for private school).


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SirGlass

Take my upvote as I 100% agree. I get its popular to hate on college saying its too expensive and you hear stories about people graduating with a history degree (what doesn't lend it self directly to a job) and 250k indebted only to be working as a barrista or waiting tables. However truthfully there are just as many stories where someone went to some state school (or even started at a 2 year school) and got a degree in computer science, engineering , accounting, nursing, finance, or a technical/vocational degree in plumbing, electrical , carpentry , welding, trucking, mechanics and was able to secure a good middle class job based on their degree. I mean if you want an almost guaranteed good job with a decent middle class income you almost need some sort of 2ndary education . Not saying everyone has to go to 4 years schools ; however there are still affordable state schools that will get you a good education in STEM , or even trade/vocational schools.


Trader4Days

to be frank, there are also plenty of people who study the liberal arts which end up making a lot more than they would have otherwise. i got my degree in English and have turned it into a pretty lucrative career that lets me do my thing on the side. College is valuable, straight up. And there are statistics that show that male liberal arts earners catch up to STEM earners by age 40. ​ And nothing against trade school, but one has to be aware of how brutal some trades can be on the body. My family are in trades and they've aged a lot worse than white collar workers. Anecdotal, obviously.


Henry33322

What are some good starting stocks for a new portfolio? Should I just start off with the standard stuff like tesla, amazon, facebook?


jammerjoint

I would start with some index funds, not individual stocks


Eric_ProperCents

Agreed. Build a good foundation of index funds first, then you can move into individual stocks as a small percentage of your overall portfolio. Until you can fully understand your risk tolerance, individual stocks can be hard to stomach on a short term basis.


MattieShoes

A broad fund. Which isn't to say one can't pick stocks, but I'd anchor a new portfolio with a bunch of money in something like VOO or VTI first. Then if you pick stocks, compare returns to your broad fund returns, not to cash. Because that's what you're aiming to beat. It's easy to pick stuff that goes up when the market goes up, hard to pick stuff that beats the market whether it goes up or down.


bartman1819

This. Minimize your risk (index funds or ETFs that are a basket of Tesla, etc.) until you learn more about the market and become comfortable analyzing individual stock picking.


stvaccount

google + facebook


ReasonableMatter5

What happens to companies and especially their stocks if they go bankrupt? If I know it correctly then under bankruptcy the company is not "destroyed" but it's shares drop significantly. What can an investor do then? Wait and hold until someone (like a new CEO) "rescues" the company?


JMac453

https://www.investopedia.com/ask/answers/09/corporate-liquidation-unpaid-taxes-wages.asp I guess this doesn't quite answer your question, but it does go over who gets paid out first when a company gets liquidated.


SirGlass

In the case of chapter 7 usually the creditors take over the company. Let's say ABC goes bankrupt cheaper 7. Usually the stock is renamed to ABCQ. Now the company may survive, it also may do another IPO listening ABC back on the market. However previous share holders are stuck with an almost worthless ABCQ shares. Now sometimes previous share holders are given a small portion of the re organized company like 1%. Meaning of you held 100 shares of ABCQ you might get 1 share of ABC the new company. In chapter 7 in almost all cases share holders get wiped out or take a 98%+ loss. Now there are exceptions. Hertz went bankrupt, during liquidation the used car market went insane, and they had enough to pay back the creditors and share holders got like $3 a share, what is highly unusual. EDIT I was wrong Hertz share holders will get $1.5 per share and 3% of the "new" company


greytoc

In the US, when a company goes bankrupt, they are likely filing chapter 11 or chapter 7 of Title 11 in US bankruptcy code. Chapter 11 is a way to protect the company from creditors while the company is reorganized. The court will appoint a group to protect the interest of creditors while the company is reorganized. In Chapter 7, the company is considered insolvent and a trustee is appointed to liquidate all the assets of the firm. Debt are paid out based on priority. As a shareholder of equity - in a bankruptcy proceeding, equity holders are the absolutely last category to be paid back and shares usually are worthless. Saving a failing company usually means raising more capital because the company cannot generate enough revenue to offset it's debt payments.


ReasonableMatter5

This could be related to investing as well as business generally. Why do businesspeople have to travel so much and gather in meetings, as well as network with as much people as possible?


SirGlass

Because business happens all over. I mean depending on what type of business you are in you basically have customers (who may be all over) , suppliers (who also may be all over) and potential partners (who may be all over) Plus you have trade groups who represent people in your business and these people are all over too. In many cases its good to meet with customers ; vendors or suppliers, potential business partners , and even competition to gather and discuss the general business (like trade groups or conferences)


greytoc

Lots of reasons - [https://en.wikipedia.org/wiki/Business\_networking](https://en.wikipedia.org/wiki/Business_networking) tldr - Networking is a socioeconomic business activity by which businesspeople and entrepreneurs meet to form business relationships and to recognize, create, or act upon business opportunities, share information and seek potential partners for ventures. In the second half of the twentieth century, the concept of networking was promoted to help businesspeople to build their social capital.


Financialtrader

Short Term (Money) Parking Place to park money less then a year. Right now I have in money market looking to purchase real estate next year. Money Market is ok for now but I know I can do better. If you had a little less then a year to park funds from now to April where would you? Thank you in advance.


iWillNeverReplyToYou

For amounts under $25k, Yotta has much higher yields than a HYSA. Something like 2%. But FYI, you can only move in/out $10k per week


MattieShoes

1 year, intolerant of losses? Money market is about the best place. When I was in a similar boat, money markets paid so poorly that I left it in my checking account.


stvaccount

guranteed fixed interest, where you can't loose anything. Plus short interest rates a bit perhaps.


SirGlass

How much are you willing to potentially lose for a chance at slightly better returns ? To me its simply not worth the risk given the time frame. Lets say you have 100k, right now a 100% safe mm may yield 0.5% what comes out to $500 per year. You could potentially find a bond fund that has a 2% yield, but also has the chance to drop 25%. Are you ok to risk 25k for the chance to get an additional 1.5k? Assuming you hold for an full year.


Financialtrader

Right I was leaning towards REIT's and getting dividends. Because is the MM with inflation I'm probably losing at this point. Those are good recommendations though.


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stvaccount

People posting online that things got expensive


kiwimancy

Check the CPI report from BLS, the PCE report from BEA, TIPS breakevens


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exe_virus

How up to date? [Quarterly](https://fred.stlouisfed.org/series/FPCPITOTLZGUSA) To get monthly data, you have to dig up each piece yourself, like housing prices, rents, food costs, oil and gas costs, etc.


jan2626

Is $RIGZ worth investing in? https://www.google.com/amp/s/bitcoinmagazine.com/.amp/press-releases/viridi-funds-launches-rigz-etf


exe_virus

Nope, not at all, because crypto is a mediocre "investment", because green etfs under perform, and because it has too high of fees.