Home › Forums › Financial Markets/Economics › stocks
- This topic has 118 replies, 12 voices, and was last updated 5 years, 2 months ago by
Coronita.
-
AuthorPosts
-
July 2, 2019 at 10:42 AM #812932July 2, 2019 at 11:22 AM #812934
gzz
ParticipantI had a $250 samsung ssd fail a week after install. It was suddenly just empty but working normally.
I still have it, but downgraded it from hosting my OS to a backup drive.
This was about 3 years ago.
I’ve had HDs fail, but never after a week.
July 3, 2019 at 8:40 AM #812950CoronitaParticipantstocks on the rise again. indexes all up. gold up.. s&p all time high.
more case for indexing…
July 12, 2019 at 1:17 PM #813014CoronitaParticipantRecord high stock market close. lol. Party like it’s 1999.
July 12, 2019 at 1:22 PM #813015spdrun
Participant1999 was followed by 2000 … I’ll settle for 1999 indeed.
This market runup is odd — people are claiming that it’s based on the Fed planning to cut rates at end of July, but the 10y bond actually fell over the week. (Rate went from under 2% to ~2.12%)
Why a rotation out of bonds?
July 12, 2019 at 8:51 PM #813022
svelteParticipant[quote=flu]Record high stock market close. lol. Party like it’s 1999.[/quote]
I’ll wear by raspberry beret.
July 13, 2019 at 9:34 AM #813025CoronitaParticipantThis is what doing an auto deposit of $260/month into one vanguard account containing a basket of passive index funds for the past 10 years beyond the initial $20k seed deposit and maybe additional one time deposits totally $50k distributed along the 20 years looks like… Basically instead of two nice dinners each month…no frills, no guess work, no market timing. Not trying to get the highest returns each year.
You snooze, you lose[img_assist|nid=26835|title=vanguard|desc=|link=node|align=left|width=100|height=79]
July 13, 2019 at 11:30 AM #813026henrysd
Participant[quote=flu]This is what doing an auto deposit of $260/month into one vanguard account containing a basket of passive index funds for the past 10 years beyond the initial $20k seed deposit and maybe additional one time deposits totally $50k distributed along the 20 years looks like… Basically instead of two nice dinners each month…no frills, no guess work, no market timing. Not trying to get the highest returns each year.
You snooze, you lose[/quote]Last 10 year happened to be one of best return period for stocks with S&P 500 return 14-15% compounded annually with dividend reinvested. But if you look at the market in the first decade of this century, it was negative for 10 year span. The annual compound return for S&P for this century from Jan 1 2000 (19.5 years) is just under 6%, lost even to junk bond by a decent margin.
I doubt we will see annual double digit return for the next 10 years.
July 13, 2019 at 1:00 PM #813027CoronitaParticipantThat return was since I started 20 years ago. The first 10 years included the great recession/crash of 2000 and 2001.
So I guess the question is… Which is more a likely outcome. Guessing when you can time the markets to get in and out before the peaks and valleys hit.. Or just leaving it in there a long time until you actually need the money….
And besides, like I said $260/month every month over 20 years…$260/month!!!! That same money, the average stupid american would have spent it on a stupid new iPhone and macbook which ROI would have been eventually $0…. or 3 tanks of gas for their overly large SUV….
I’ll take the brain dead approach for this small part of my net worth…..Meanwhile, there’s other sources of income….
July 14, 2019 at 8:13 AM #813034ltsddd
ParticipantDRIP and Profit-locking (aka buy low, sell high) are not mutually exclusive.
July 15, 2019 at 7:43 AM #813037CoronitaParticipant[quote=ltsdd]DRIP and Profit-locking (aka buy low, sell high) are not mutually exclusive.[/quote]
DRIP investing assumes a regular interval contribution to a passive investment that you don’t muck around with.
Trying to “buy low or sell high” is market timing and wouldn’t be considered DRIP “investing”….
Regularly saving money off to the side also isn’t DRIP investing.. It’s DRIP savings….
If you’re regularly saving and then trying to move a large chunk into the markets at the low points, even if it’s just a basket of index funds, that’s market timing and not drip investing. My coworker had $20k extra from a bonus and wanted to start investing in the stock market last year. He wanted to move the entire $20k at once into a backet of index funds when he thought the market was low. I advised him against that, and told him beyond moving the $3000 initial required investment into a index fund, just spread the rest of the $17k over a timed automatic investment into the same index fund…. He didn’t listen and moved the entire amount into one index fund thinking he could time the markets… It didn’t work out, and the market went down, and so did his net worth. Had he just made regular small contributions into the same index fund each month, he would have caught both the high and low points and done better this day.
July 15, 2019 at 7:47 AM #813038CoronitaParticipant[quote=ltsdd]DRIP and Profit-locking (aka buy low, sell high) are not mutually exclusive.[/quote]
DRIP investing assumes a regular interval contribution to a passive investment that you don’t muck around with.
Trying to “buy low or sell high” is market timing and wouldn’t be considered DRIP “investing”….
Regularly saving money off to the side also isn’t DRIP investing.. It’s DRIP savings….
If you’re regularly saving and then trying to move a large chunk into the markets at the low points, even if it’s just a basket of index funds, that’s market timing and not drip investing. My coworker had $20k extra from a bonus and wanted to start investing in the stock market last year. He wanted to move the entire $20k at once into a backet of index funds when he thought the market was low. I advised him against that, and told him beyond moving the $3000 initial required investment into a index fund, just spread the rest of the $17k over a timed automatic investment into the same index fund…. He didn’t listen and moved the entire amount into one index fund thinking he could time the markets… It didn’t work out, and the market went down, and so did his net worth. Had he just made regular small contributions into the same index fund each month, he would have caught both the high and low points and done better this day.
Market timing might work a few times if you are lucky. It’s unlikely you are smarter than the markets over the longer period of the time… I am sure if you ask some folks that sat out the markets for the past 10 years waiting for the big crash, the their investment accounts will tell a story whether trying to outsmart the markets actually worked….
August 4, 2019 at 7:40 PM #813131Participant[quote=spdrun]Retracing the same highs it’s been bouncing off since early 2018. Stagnation for 18 months, impressive.[/quote]
It’s been oscillating for a while. More power to you for recognizing the pattern and hopefully profiting from it. Most of the Asian markets are down 2+ percent on (their) Monday. Looking for US and Europe to follow suit.
August 9, 2019 at 10:51 AM #813174CoronitaParticipantLooks like Charlie from SemiAccurate was right exactly 1 year ago before the official AMD Epyc Rome launch…
Blast from the past 8/7/2018:
And now 8/7/2019:
https://www.anandtech.com/show/14694/amd-rome-epyc-2nd-gen
https://www.tomshardware.com/news/amd-epyc-rome-7000-series-data-center-processor-zen-2-7nm,40108.html$3000 less than a Intel Xeon processor for 64 cores. Ouch. That’s got to hurt. I guess for $3000 more with less cores, Intel will throw in 5 security flaws for free, lol.
-
AuthorPosts
- You must be logged in to reply to this topic.