So… if the US market (stocks or bonds) can’t win vs. inflation, and international markets are beginning to smell like a bubble, and it’ll be 2-3 years before we need a down payment, what do I do with the $10-20k I have left over after I fill my 401k/Roth?
For argument’s sake, let’s say that I also have $120k of maxed out, diversified 401k/Roth, and $80k that’s 60% US Stocks/40% Int’l, and that the $80k is the bulk of the down-payment fund. We’ll likely have kids in 2-3 years, but our current rental can fit an infant.
My wife is voting for European co’s that manufacture wind turbines and solar components, I’m hearing metals & commodities funds in several articles, and others have suggested keeping some cash in a money market to buy after a crash.
I’m looking for a muni that’s strongly invested in capital good producers with strong int’l exposure. If you find one (or anyone else does,) please feel free to share.
I’m looking for a muni that’s strongly invested in capital good producers with strong int’l exposure. If you find one (or anyone else does,) please feel free to share.
Stocks have no correlation with reality in the short-term. They are all gamed by the pig-men. Any news you read about any company or commodity has been pre-filtered and time-released to get you to either buy, sell, or short. The pig-men wait in the wings for you to make your move and then they take advantage of it. You can never beat them, they have access to huge amounts of capital and far more information than you ever will.
Over the long-term you can best inflation in index funds.
This is not financial advice, just an observation gained from painful personal experience.
Stocks have no correlation with reality in the short-term. They are all gamed by the pig-men. Any news you read about any company or commodity has been pre-filtered and time-released to get you to either buy, sell, or short. The pig-men wait in the wings for you to make your move and then they take advantage of it. You can never beat them, they have access to huge amounts of capital and far more information than you ever will.
Over the long-term you can best inflation in index funds.
This is not financial advice, just an observation gained from painful personal experience.
You and your wife should be very thankful for your good fortune. Why don’t you give the $ to a charity you really believe in. It will be the best investment you’ve every made.
You and your wife should be very thankful for your good fortune. Why don’t you give the $ to a charity you really believe in. It will be the best investment you’ve every made.
I’m looking for a muni that’s strongly invested in capital good producers with strong int’l exposure.
Isn’t a “muni” a municipal bond? Aren’t municipal bonds issued by cities to finance debt? What does that have to do with capital goods production and international exposure?
I’m looking for a muni that’s strongly invested in capital good producers with strong int’l exposure.
Isn’t a “muni” a municipal bond? Aren’t municipal bonds issued by cities to finance debt? What does that have to do with capital goods production and international exposure?
Uncomfy Numb– We very well might be donating to charity, in an indirect way. We’re looking at fronting a good chunk of the money for a green cohousing community in 2-4 years. So we need to build up funds until then to give ourselves more options… I’ll post another thread on these plans, but I thought the present question would be of general interest
Uncomfy Numb– We very well might be donating to charity, in an indirect way. We’re looking at fronting a good chunk of the money for a green cohousing community in 2-4 years. So we need to build up funds until then to give ourselves more options… I’ll post another thread on these plans, but I thought the present question would be of general interest
