I’m not happy with this 5% growth this year. Any suggestions?
5% a year is great my guy
Amory said:
5% a year is great my guy
Not in Cali, inflation is 8-12%
How much income do you need from it? For how long? And when do you need it?
Anything needed for a long time (more than 5 years) you will be looking at a yeild of 4% to 6% for safe withdrawal. Higher than 6% has higher risks of capital loss and/or limits how long before money runs out. (General guidance for passive income and investing).
I would keep it in the HYSA @ 5%.
If you want future income, you could go with dividend growth. Drop 300k in and with ~ 10 years of DRIP, you will have doubled that and have a yeild on cost closer to 8%.
Or go growth, 100% total market (USA or global) and hold for 15+ years and should be like 2 million.
Last options are income funds that pay around 8% annually, but no growth and higher risk to principle, or check out theta gang for wheeling shares to collect option permuims. (Not passive and risky)
Again, need more info to really be helpful. Good luck.
How old are you and when do you plan to retire? Without understanding your goals, risk tolerance and time horizon, nobody can offer any suitable suggestions.
Vann said:
How old are you and when do you plan to retire? Without understanding your goals, risk tolerance and time horizon, nobody can offer any suitable suggestions.
40, in 15years
@Rex
You are young enough and retirement is far enough out that the SP 500 is going to be your best bet. Following the doubling rule you can expect that 600k to double twice to about 2.4m. obviously nothing is guaranteed but given a long enough period of time the SP 500 is extremely safe. Basically the way it is designed with 401k money coming in constantly, among other factors, it will continue to go up. Nobody can tell you what the market performance will be in the next 12 months but they can say with 99.9% certainty that it will be higher in 15 years than it now.
My uncle is 68 and risk averse. For him we did long duration bonds and took advantage of the 2% transfer bonus on Webull. The bonds he is in actually have appreciated because the fed is dropping rates. For him, that’s a good set up because he can’t deal with market fluctuations at his age.
I wouldn’t recommend bonds for you though. You are too young. Definitely should be in the market. VOO and just let the market work.
Start investing some in ETFs you like 
VOO is a good one or anything Schwab
@Brooke
I got laid off, I confirm
Tate said:
@Brooke
I got laid off, I confirm
You got laid off by yourself when you retired early with your multi millions in employee stock probably.
Brooke said:
Dorian said:
Intel
Invest it all in Intel.
Why?
There’s a infamous post about 2 months ago about a young person who inherited $600K from grandma and wrote up this huge investment thesis about why Intel was going to the moon and invested the whole $600K into Intel.
Intel promptly dropped 30% or so a few days later after their last earnings call about August 1st.
Basically, the poster threw away over $200K by investing grandma’s inheritance all in one stock right before it imploded. Investing in a single stock is highly risky.
Stick to investing in diversified low-cost ETFs like VOO or VTI to avoid similar fate.
Dorian said:
Intel
Why ?
I get 10-12% investing in stabilized real estate, some people get 8%, you can definitely do better
Haru said:
I get 10-12% investing in stabilized real estate, some people get 8%, you can definitely do better
What does “stabilized” real estate even mean? Do you physically own the property or is it a RE fund?
@Mai
I own a % of a property directly, rather than investing into a fund. The investment barrier is a bit higher than the fund investors.
Dude just open a bank account with a 5% interest rate. No need for a fixed deposit
Buy the lottery for the full bank. You will become a billionaire
Don’t be greedy, habibi 