2 minutes ago, Yellowtail said:

It is a type of US retirement fund. You deposit post-tax funds, and it the growth is tax free if you leave it in until you're 59 1/2

You and only deposit post-tax earned income, and the amount you can deposit is pretty low.

Thanks for explanation.

If you just bought Apple shares below the 50 week ma and held for 30 years my guess is you would be making 25 or 30% a year. Its the best share imo.

14 minutes ago, Harrisfan said:

8.2% is pretty poor imo. Rich boys in suits are often dumb.

Are those 8.2% net net "Including fund management fees" ?

Just now, swissie said:

Are those 8.2% net net "Including fund management fees" ?

Not sure. A low fee index fund is best for most people.

1 minute ago, Harrisfan said:

Not sure. A low fee index fund is best for most people.

In other words: Not "actively managed" by people that do not know more than you and me.

Just now, swissie said:

In other words: Not "actively managed" by people that do not know more than you and me.

Yeah. Most fundies are fundamentalists and not that bright. Just rich boys with family connections. Buy an Index fund below the 50 day moving average would produce good returns. The other weeks leave in cash then move over.

5 minutes ago, Harrisfan said:

Not sure. A low fee index fund is best for most people.

My best guess my pension fund will take a great dip the next 6 months, same as it did during covid, but now back up 50% since then from before the dip. Gold tripled since last buy before Covid, and now just sit still in the boat, invest in farmland (wife) and solar power (wife) , so pray my wife keeps me for the future, and I am doomed to be a good boy.

Investments can be unpredictable

14 minutes ago, Harrisfan said:

If you just bought Apple shares below the 50 week ma and held for 30 years my guess is you would be making 25 or 30% a year. Its the best share imo.

Would also have been a good idea to buy Silver at 6$, not so long ago.

But no, most investors would have sold at 12, thrilled to have made 100%.😊

1 minute ago, swissie said:

Would also have been a good idea to buy Silver at 6$, not so long ago.

But no, most investors would have sold at 12, thrilled to have made 100%.😊

Index fund etf

Buy 20% of cash account if below 50 day ma. Buy 50% of cash account if below 200 day moving average.

Buying more near the lows.

Btc and silver getting smashed atm

25 minutes ago, Hummin said:

My best guess my pension fund will take a great dip the next 6 months, same as it did during covid, but now back up 50% since then from before the dip. Gold tripled since last buy before Covid, and now just sit still in the boat, invest in farmland (wife) and solar power (wife) , so pray my wife keeps me for the future, and I am doomed to be a good boy.

Investments can be unpredictable

You have ONE major asset: Your wife! Your Gold holdings in combination with your wifes investements in Farmland and Solar is remarkable.

A smart women. This combination of "investement-mix" will survive the next "credit crunch". A 75 to 80 year credit-cycle that keeps repeating itself.

Remain a good boy and thank your wife later.

4 minutes ago, swissie said:

You have ONE major asset: Your wife! Your Gold holdings in combination with your wifes investements in Farmland and Solar is remarkable.

A smart women. This combination of "investement-mix" will survive the next "credit crunch". A 75 to 80 year credit-cycle that keeps repeating itself.

Remain a good boy and thank your wife later.

I do not have all my assets in my wife, I keep it at one third at max, and will not brake that rule!.

You should not hold more than one third in high risk investments in your life at anytime. Thumb of rule.

1 minute ago, Hummin said:

I do not have all my assets in my wife, I keep it at one third at max, and will not brake that rule!.

You should not hold more than one third in high risk investments in your life at anytime. Thumb of rule.

Good rule. Makes sense.

23 minutes ago, Hummin said:

I do not have all my assets in my wife, I keep it at one third at max, and will not brake that rule!.

You should not hold more than one third in high risk investments in your life at anytime. Thumb of rule.

So, the 1/ 3rd belongs to your wife. Something you consider "risk-capital".

In case you supplied the capital for your wifes success, I would advise strongly that you establish the fact that the capital originated from your wallet and not hers. Otherwise "legal problems" might occur in the future, if things go "astray".

Not expecting this to happen in your case. But certain "precautionary measures" are always recommended, especially as your consider 1/3rd of your assets as "risk-capital".