For those who are savvy with investments, what do you think of

>>17493878

Index funds = good.
Mutual funds = mostly shit.
Both will fuck you if economy collapses. Neither try to time the market (index funds can't by definition, tracking the market and all that).

If your bank offers index funds, it might be fine, they probably just push shit mutual funds and bonds though. Do some research.

>>17493878
Use Vanguard. Go to personal finance or financial indepedent on reddit for more details. And yes index funds are pretty much everyones best bet.

>>17493891
>>17493892
What are some safer options besides index funds that might be good still? Bonds, CDs?

I'm still leaning heavily towards index funds but is looking at bonds or CDs worth it all? I bought a decent amount of both when I was younger but that's about it.

>>17493904

>s looking at bonds or CDs worth it all?

As far as I am concerned - no. CDs don't pay shit. Bonds don't pay shit unless they are fucked up low-rated crap that you can lose a ton of money on.

>>17493904
CDs and Bonds are what you move your investments into as you get closer to retirement as they don't pay shit but aren't volatile. I know you're worried about the market but for example in 08 the people who exited the market after the crisis missed the huge gains that followed. So don't let idiots manage your money.

>>17493878
As a long term investment a no-load index fund is the best plan. Essentially it invests in every stock (or the top 100 or 500 or whatever) in the stock market. And while it is possible to lose big in the short term if there's a sudden crash, over time measured in decades the stock market out-earns just about anything else.