Who /index/ funds here?

>>2963424
I have about 80% of my net worth in them, only about 5% in crypto. I want to kill myself everyday when I think of where I'd be if I flipped those two numbers a few months ago....

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>>2963445

Same here. $30K in shitty ass indexes growing at some pathetic rate would have made me at least a half million or if invested as recently as January in crypto.

Yeah yeah, hindsight and all that.

>>2963470
There's probably thousands of people like us.

We all fucked up hard.

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>>2963486
>>2963470
>>2963445
just imagine if you always knew the winning powerball numbers.

you are so stupid , u should off yourself and cleanse the gene pool of ur defective non esp dna.

ETA on next stock market crash?

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>>2963424

Only $3k in a Vanguard S&P 500 Index ETF. The remaining $15k in my company's 401k/Roth account. Thinking about putting another $7k in the Vanguard to get to admiral status.

>>2963486
>>2963470
>>2963445
Generally speaking, a "mere" 7 - 10% return on investment year over year is an amazing result on its own for someone picking stocks.

The S&P 500 can average a return of ~10% each year without even trying.

protip: up the gains by using futures contracts rather than funds

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>>2963424
me

>>2963687
>Activision

Pro investor here.

>>2963687
Nice, I have been thinking about getting and iShare ETF that covers the Eurozone (it's EZU), although I'm a bit unsure of the tax situation as an American.

The economic outlook across the Eurozone has been good recently even in countries such as Spain, and a lot of important British companies will need to move some or perhaps all of their operations to the Eurozone due to Brexit.

The other fund I'm thinking about is VGK, through Vanguard, which has a lower expense ratio (0.10% vs 0.48%), although it holds a large share of its money in British companies.

>>2963424
I have about 2/3 of my net worth in index funds, and 1/3 in crypto (mostly BTC with a few grand in ETH).

Biggest index fund holding is Vanguard Total Stock. That's about 50% of my index funds. 30% is in Vanguard Dividend Appreciation, the remaining 20% is in Total Bond.

It's awesome. Average of like 17% gains over the last few years.

>>2963740
that 17% is just from the index funds. Crypto gains are just... insane.

>>2963740

I just bought the Vanguard Total Stock Market ETF (VTI). Pretty excited about it. I might consider putting more into it.

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>>2963725
<<< Check the price point I went in at

The bonds were a mistake though, thought EU bonds would outperform world :(

>>2963731
From memory it was best to invest in a US-based Europe fund. You got special tax regulations for that, and it worked out being more expensive. I don't know the details though.

>>2963769
It's great. I'm holding some VDADX to get some dividend income, but I'm probably eventually just going to roll that into Total Stock

>>2963813

Have you ever pulled your money from an index fund entirely? Like let's say you put $5k in. You let it sit for a few months and decide you don't like it. You ever just collect on the dividends and pull your investment out only to go somewhere else? Just curious.

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>>2963570
Oh, it's this faggot again.

>>2963769
If you are holding long term it's really never a bad idea to do that, unless you think the market is extremely overvalued.
>>2963786
You are probably right, thanks.
>>2963824
Not him, but there was one week when I pulled my money in and out of two different funds within my Roth IRA to collect both dividends and came out on top because of the market fluctuations on both days.

>>2963824
Yep. I was in Vanguards healthcare-specific fund for a while. Maybe like 6 months, decided I didn't want to be that exposed to a specific vertical (I do my gambling in casinos and on bitcoin exchanges), so I sold it all and moved it into their dividend appreciation fund.

With all of their funds, if you sell, you can't buy back in for 60-90 days (except through automated buys or ETFs, which is a nice loophole).

>>2963445
>what is risk management

You're doing fine anon

>>2963841
>>2963857

Good to know. I'm just a beginner when it comes to investing. Purely passive and riding the S&P to making me some side money. I'll probably wind up throwing some more in this ETF until I get to $10k, then think about doing something else when the time comes.

>>2963867
>what is a lambo

>>2963872
with a lot of index funds, you dont want to try to time the market. you just want to throw money in whenever you can, and let it ride. All of the "you can expect to make an average of x% over y time period" only works if you let it sit through the ups and downs.

Dont sell when things go down. let it sit, or if you can, buy more

Invest in highly-diversified funds with low fees, and try to minimize taxes.

Do that and you'll be amazed at how much your money will grow.

>>2963841
You can always join the Bogleheads forums or on reddit /r/financialindependence

>>2963903
+1. Bogleheads forum and wiki are great resources

>>2963890

Thanks for the info, anon. I went to my accountant for advice and he told me around the same thing you stated. Pretty much he told me "if you don't like it next year, then just pull your money out and try something else...just do some research before you make the investment."

So as long as I have that option with whatever I choose to invest in I think I'll be okay. Right now I'm happy with the Vanguard Total Stock Market investment, so we'll see how it does and maybe over time I'll put more into it or try another fund too.

>>2963903
>>2963916
Thanks for the tips

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I got a bunch of money from life insurance and when I went to chase and they put it in a brokerage account and everything for me.
I feel greatly that it's not a good deal but I'll give it a few years and see where it goes. I don't really trust myself with it anyway, it's only a quarter of the total money I got, and it was windfall money anyway, so I don't feel too bad about not making the most optimal amount on it right now.

>>2965037
We're in an unusually long bull market, so keeping a lot of cash and slowly dollar cost averaging is a good idea.
Read up on passive investing so you can avoid fees down the line.

Bogleheads is a good place to start.

If you want to retire early, I also recommend:
Mr Money Mustache
https://www.reddit.com/r/financialindependence/
Basically, if you invest 25x your annual spending in 75% stocks 25% bonds (US-focused), then you are ready to retire early.

>>2963621
2018 is a serious estimate

Stupid question, if everyone agrees that bitcoin and the asset category of cryptocurrencies is going to moon, much more than stocks, why not just allocate more money there? Like 40% of money that isn't an emergency fund. At least for people younger than 30.

>>2965622
Go for it if you feel you'll get more money, but realize that the cryptocurrency market is based upon speculation.

With new cryptocurrencies popping up every day and gaining value, it reminds me of the Dutch Tulip Mania:
https://en.wikipedia.org/wiki/Tulip_mania

>>2965736
People bring up the Tulip mania meme all the time, but really, at least Bitcoin isn't solid?