It's all fun and games until somebody loses their retirement savings

[SoftTalker]

If you don't know what you're doing stick to index funds, buy and hold.

[SketchySeaBeast]

And as you get closer to retirement start moving them into more fixed income. I don't know if the same options are available in the states, but in Canada Vanguard, Blackrock and others offer broad market index funds that have risk profiles that you can move through as you get close to retirement, allowing you to slowly pull out of equities and move into bonds. You shouldn't be 2 years from retirement and still 100% into equities.

[baq]

Index funds doing 12pp round trips in a week are not normal, that’s what bitcoin does.

This time the why of it - basically whims of a single man - is especially scary.

[nradov]

If you don't know what you're doing then stick to target date funds which automatically rebalance the asset mix to reduce risk as you approach retirement age. The fees might be slightly higher than index funds but on most retirement plans the extra cost is minuscule.

[jihadjihad]

Dollar cost averaging on a well-diversified portfolio and chive on.

[-jeffB]

Corollary: if you're confident you can outperform index funds, you almost certainly don't know what you're doing.

[sitzkrieg]

i rather enjoy making lots of money from those who do not know what theyre doing in this realm

[gleenn]

As sane of a suggestion that is, SPY index fund dropped a huge amount because the whole market dove. Not everyone can plan on suddenly missing 20% of their savings.

[vlucas]

This is why Target Date Retirement funds exist.

Just plow your 401(k) into Fidelity Freedom Fund 2055 (or whenever your retirement year is - they have many options) and forget about it.

https://www.fidelity.com/mutual-funds/fidelity-fund-portfoli...

They are mostly equities and riskier investments early on, then auto-adjust to lower risk dividend stocks and treasuries when you are closer to the target fund date to support pulling out money every month to live on.

[quaffapint]

They also tend to have higher fees and a smaller return than managing it yourself with index funds and bonds. But for people that don't want to do that it is a good option none the less.

[sitzkrieg]

target date funds exist only to keep brokers in business

[gedy]

Truly private companies I respect their choice, but this just feels off that companies "stay private" yet you can wheel and deal in shares or similar with them, and they raise capital, etc.

This is what the stock market is for.. yet it now feels like that's just what you do to cash out and dump the business on the rest of the market.

[josefritzishere]

General advice, index funds are the place to start unless you have special expertise. But as you get older you need to move into increasingly conservative investments. When you are 80 you will not live long enough to recover your losses from a market crash... so money markets, CDs, bonds, etc.

[ghaff]

In general, for a given especially senior age, it also depends on your portfolio. If 4% or whatever inflation-adjusted amour puts you in good stead, you probably shouldn’t be betting more than a modest amount on significantly higher returns.

[magicreadu]

It’s a full decoupling of number 1 and number 2 economies in the world - of course it’s messy. If you can’t stomach the turbulence, stay in safe instruments

[cassepipe]

But genuine question : Is it necessary and for what goal ?

[instagib]

This seems more like an advertisement for their podcast.

200K income or 1M in assets minus your primary residence to be in this conversation about SPV.

[hnburnsy]

Exactly no one invests 100% of their retirement savings in SPVs.

[kccqzy]

I did a quick search and in less than 10 seconds I found examples of retirement savings in subprime mortgage backed securities in 2008. https://texashousers.org/2008/06/24/texas-teachers-retiremen...

[palmotea]

> Exactly no one invests 100% of their retirement savings in SPVs.

Eh. There's probably at least one stupidly overconfident individual who does so, and more who put too large a fraction into stuff like that.

[jmclnx]

Based upon Retirement savings rate in the US, I am sure many people decided retiring while Trump is in office is a non-starter now.

But I am sure a lot of people are being forced or will be forced to retire and maybe get a part-time "Mc-Job".

[readthenotes1]

People who retired based on their stock holding when the S&p was at a p/e nearing 30 were wildly optimistic

[vlucas]

Heck, even Trump himself got a job at McDonald's!

[FpUser]

Yet another site using invisible font. Somebody has to pull their head out of their ass and get a grip on basic ergonomics