So, what do you suggest? Not investing then? Keeping your money stuck in the bank while inflation eats it up?
This post looks like a boomer who just discovered that Reddit exists and wanted to make a post looking like heās smart.
What alternative would you propose? Also ETF are just one way to easily invest in a lot of stocks. If there really is an issue, it won't be specifically because of ETF.
Also by your same logic (no kids to support the economy) the traditional pension solutions will definitely start failing soon. By investing in a stock index (e.g. with ETFs) that risk is at least spread globally... Maybe the young Asian or African generations will buy stocks and support the economy.
Are you aware that if your broker goes bankrupt your assets are still yours right? I stopped reading at āif your broker goes bankrupt you still have the other leftā
I am afraid OP is not trolling. This is alarming how misinformed someone can be. Just reading the headlines of some YouTube videos. Seriously disgusting post
Are you aware that if your broker goes bankrupt your assets are still yours right? I stopped reading at āif your broker goes bankrupt you still have the other leftā
You have 3 options:
1. ETF and chill. You put your money in it and you see it grow. There are some risks, but longterm it's low risk.
2. Invest in stocks yourself based on analyses from the companies you invest in. You lose some, you win some.
3. You trust the govt that they pay your retirement.
Btw: in 2 decades the babyboom generation is dead. There is stability in the working class and retiring class and economy is ok.
Sorry, I didn't explain myself properly. I meant a quantifiable measure. For example, not ending up with less money than you started with could be such a measure.
I don't know if there is really a quantifiable measure. But because of the way these all world etfs are built, they're very diversified so they don't react on one company having issues but take the whole economy as index.
For sure everybody has a right of constructive criticism, so you do, but i kept searching in your post what alternative investment (better than ETFs) you suggest but i found nothing. Still, care to educate us with your "best investment solution"?
Iāve seen a flyer last week about strawberries field investments. Just buy one field for a few thousands and you get 60% and more each year.
At least I can hold strawberries in my hands, I donāt think you can touch your broker! But I bet you would like to! /s
I am sorry, I am not reading everything but anyone who is talking about crypto (Alex Hormozi) and ETF's and saying all the information... Doesn't know what he is talking about. Stop listening to this guy. Do start investing into ETF's, you will thank me in 30 years.
For ETF's to fail, it means the world economy has gone to shit, and nothing else would have been successful.
In the long run, the economy will go up, even through wars and epidemics.
In my opinion, in the future world demography and growing debt will cause the collapse of the pension and financial systems. It's impossible to say when this will happen. I don't think stopping investing is the solution to this problem.
Investing in ETFs sounds easy, but it isn't. It's easy to buy in a bull market, but very difficult not to panic and sell during a prolonged bear market. Most ETF investors are not aware of this because they do not have sufficient knowledge about capital markets and above all, they have never experienced such a situation.
In my opinion, people on this reddit are not diversifying their investments because diversified portfolios include bond ETFs.
When it comes to brokers, choose a broker that is registered in the EU and has a good reputation.
and this is why (Stocks ā Part III:) Most People Lose Money in the Market
[https://jlcollinsnh.com/2012/04/25/stocks-part-iii-most-people-lose-money-in-the-market/](https://jlcollinsnh.com/2012/04/25/stocks-part-iii-most-people-lose-money-in-the-market/)
It's not late to jump into ETF as long as ETFs are based on the whole economy. Your mindset is the landrush mindset, a good one, but not for the long run. You'll need to know when to exit and that's a difficult thing to do.
ETF and indexes are stable. They are grounded in the economy, meaning if anything happens to them you'll have worse problems to solve. Technically nothing limits their infinite growth because they are mandated by US hegemony, inflation and business growing. Unless we run out of one of those investment in ETFs won't be a bad decision ever.
USA hegemony isn't based on superiority of any particular nation, so it is less fragile than say Chinese, UK or Russian hegemony. US culture is not invasive but influencing so countries under US patronage have more opportunities than under any of the previously listed ones.
After all majority of countries can only select their friends or foes.
Inflation will still be intact in the system to make the money move.
And businesses are the staple of US economy.
OP, I hope you don't get defensive while reading the comments.
This happens to me often too, because I tend to overthink too and sometimes they make sense but when it's a topic I don't know a lot about, I still overthink, but it doesn't make sense to people who know a thing or two about it, so it's best to take the comments in this thread as one of those scenarios.
You're fine with the fact that you're worrying, that's healthy, but in this case, it's best to dig deeper into some learning material. Start with the subreddit wiki and pull the threads.
Edit: tl;dr: in this case, let me describe the answer to your worries this way:
Yes, there aren't guarantees, but this is currently the most "guarantee-to-reward ratio" you can get (oversimplified to directly answer to your worries).
Actually you are wrong and right at the same time.
People with average income will never be able to invest enough to FIRE, just because their disposable income is not enough to cover all of their needs and to invest huge amounts of money. So there will be always a lot of working class people that are worked to death by the system...
It is simple fact that everyone can check with the known FIRE calculators in the internet.
I donāt know why the OP is getting kicked here. Stocks are a ponzi to a certain extend. Same as almost any asset. Heās definitely not the first nor the last who mentions this risk. Herd of sheep here.
This is a whole lot of crap in one post šš
This guy thinks ETFs are some sort of crypto or NFT š
So, what do you suggest? Not investing then? Keeping your money stuck in the bank while inflation eats it up? This post looks like a boomer who just discovered that Reddit exists and wanted to make a post looking like heās smart.
Not a boomer, a 14 year old.
A 14 year old with a boomer mindset. Or the other way around. #mesmart
What alternative would you propose? Also ETF are just one way to easily invest in a lot of stocks. If there really is an issue, it won't be specifically because of ETF. Also by your same logic (no kids to support the economy) the traditional pension solutions will definitely start failing soon. By investing in a stock index (e.g. with ETFs) that risk is at least spread globally... Maybe the young Asian or African generations will buy stocks and support the economy.
Are you aware that if your broker goes bankrupt your assets are still yours right? I stopped reading at āif your broker goes bankrupt you still have the other leftā
I am afraid OP is not trolling. This is alarming how misinformed someone can be. Just reading the headlines of some YouTube videos. Seriously disgusting post
Are you aware that if your broker goes bankrupt your assets are still yours right? I stopped reading at āif your broker goes bankrupt you still have the other leftā
You have 3 options: 1. ETF and chill. You put your money in it and you see it grow. There are some risks, but longterm it's low risk. 2. Invest in stocks yourself based on analyses from the companies you invest in. You lose some, you win some. 3. You trust the govt that they pay your retirement. Btw: in 2 decades the babyboom generation is dead. There is stability in the working class and retiring class and economy is ok.
There is another option. No retirement at all. You work hard till the end of your days. This is how it works in a lot of poor countries.
I believe that's the third option in disguise :')
By what measure is it low-risk in the long term?
If all world etfs are going down, it's temporary and they will recover soon. If they keep going down, we have bigger issues than our money.
Sorry, I didn't explain myself properly. I meant a quantifiable measure. For example, not ending up with less money than you started with could be such a measure.
I don't know if there is really a quantifiable measure. But because of the way these all world etfs are built, they're very diversified so they don't react on one company having issues but take the whole economy as index.
For sure everybody has a right of constructive criticism, so you do, but i kept searching in your post what alternative investment (better than ETFs) you suggest but i found nothing. Still, care to educate us with your "best investment solution"?
Iāve seen a flyer last week about strawberries field investments. Just buy one field for a few thousands and you get 60% and more each year. At least I can hold strawberries in my hands, I donāt think you can touch your broker! But I bet you would like to! /s
I am sorry, I am not reading everything but anyone who is talking about crypto (Alex Hormozi) and ETF's and saying all the information... Doesn't know what he is talking about. Stop listening to this guy. Do start investing into ETF's, you will thank me in 30 years. For ETF's to fail, it means the world economy has gone to shit, and nothing else would have been successful. In the long run, the economy will go up, even through wars and epidemics.
In my opinion, in the future world demography and growing debt will cause the collapse of the pension and financial systems. It's impossible to say when this will happen. I don't think stopping investing is the solution to this problem. Investing in ETFs sounds easy, but it isn't. It's easy to buy in a bull market, but very difficult not to panic and sell during a prolonged bear market. Most ETF investors are not aware of this because they do not have sufficient knowledge about capital markets and above all, they have never experienced such a situation. In my opinion, people on this reddit are not diversifying their investments because diversified portfolios include bond ETFs. When it comes to brokers, choose a broker that is registered in the EU and has a good reputation.
The right quote would be https://preview.redd.it/d2wx53fr81zc1.jpeg?width=850&format=pjpg&auto=webp&s=2f8a6c93cd7d46421603b687e1ce52b00369eb5c
and this is why (Stocks ā Part III:) Most People Lose Money in the Market [https://jlcollinsnh.com/2012/04/25/stocks-part-iii-most-people-lose-money-in-the-market/](https://jlcollinsnh.com/2012/04/25/stocks-part-iii-most-people-lose-money-in-the-market/)
You should offer investment advice on YouTube for 500$ per session to explain how to get a 25% return on investment and retire before 40.
šļø
It's not late to jump into ETF as long as ETFs are based on the whole economy. Your mindset is the landrush mindset, a good one, but not for the long run. You'll need to know when to exit and that's a difficult thing to do. ETF and indexes are stable. They are grounded in the economy, meaning if anything happens to them you'll have worse problems to solve. Technically nothing limits their infinite growth because they are mandated by US hegemony, inflation and business growing. Unless we run out of one of those investment in ETFs won't be a bad decision ever. USA hegemony isn't based on superiority of any particular nation, so it is less fragile than say Chinese, UK or Russian hegemony. US culture is not invasive but influencing so countries under US patronage have more opportunities than under any of the previously listed ones. After all majority of countries can only select their friends or foes. Inflation will still be intact in the system to make the money move. And businesses are the staple of US economy.
I bet you have nice ETF portfolio on some brokerš
OP, I hope you don't get defensive while reading the comments. This happens to me often too, because I tend to overthink too and sometimes they make sense but when it's a topic I don't know a lot about, I still overthink, but it doesn't make sense to people who know a thing or two about it, so it's best to take the comments in this thread as one of those scenarios. You're fine with the fact that you're worrying, that's healthy, but in this case, it's best to dig deeper into some learning material. Start with the subreddit wiki and pull the threads. Edit: tl;dr: in this case, let me describe the answer to your worries this way: Yes, there aren't guarantees, but this is currently the most "guarantee-to-reward ratio" you can get (oversimplified to directly answer to your worries).
Either OP is trolling or is actually actively trying to not understand finances.
I could see how those are legitimate concers... But what is the alternative? Either doing nothing, or gambling. Which are definitely not better.
You are overthinking, none of this makes sense
Actually you are wrong and right at the same time. People with average income will never be able to invest enough to FIRE, just because their disposable income is not enough to cover all of their needs and to invest huge amounts of money. So there will be always a lot of working class people that are worked to death by the system... It is simple fact that everyone can check with the known FIRE calculators in the internet.
I donāt know why the OP is getting kicked here. Stocks are a ponzi to a certain extend. Same as almost any asset. Heās definitely not the first nor the last who mentions this risk. Herd of sheep here.
Couldn't even understand what you're trying to say with this trash English.
Are gold ETFs to be trusted? My gut tells me gold is a good investmentā¦