Investing?

[Nosferatu]

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Thanks for this. This is the first economic downturn where I actually have some money and am feeling the pain. Going to temporarily lower my contributions per paycheck, but otherwise I guess I'll just ride it out.

If anything you should be increasing contributions during a down market (if you’re able). It’s selling low that you don’t want to do.

As can be seen today. There is no telling what will happen…

[sexualhelon]

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Thanks for this. This is the first economic downturn where I actually have some money and am feeling the pain. Going to temporarily lower my contributions per paycheck, but otherwise I guess I'll just ride it out.

[close]

If anything you should be increasing contributions during a down market (if you’re able). It’s selling low that you don’t want to do.

As can be seen today. There is no telling what will happen…

Notably missing from this chart is the Great Depression. It took 10+ years to recover from that. This was an extraordinary crash made far worse by government policies that weren’t just ill-advised, but incredibly stupid. In 1929 the House passed the Smoot-Hawley Tariff Act. The tariffs just passed were worse than this. Particularly hard hit was Germany which was stuck with paying reparations for WWI, in gold, and unable to earn enough gold from its exports to meet its obligations - which led to the rise of nationalism and Nazi Germany led by Hitler (who seized power in 1933), and eventually, WWII.

I feel like the concerns with the current admin are along these lines. Will the market eventually recover? If this chart is any indication than certainly. The markets certainly have dips but this one feels a lot more like what I mentioned above, imho. As such, you just have to seriously take into account your investing timeline.

[Big Brother]

Pay attention to what they do, not what they say.

Trump just manipulated the market and it was a great opportunity to profit if you bought the blood.

[alien porkchop]

we are witnessing fortunes being born in blood like dexter’s dark passenger. the markets are their shipping container. we just live in it.

[neonbrown]

FWIW, even after the mini-crash on Monday, I'm still up by 5 digits over the same time last year.

The reality is that if you live in the US or use USD, this is the only game in town. Either the market keeps going up and you get to retire, or America the Great Satan is finally destroyed by the noble forces of the Third World and all USD is worthless anyway.

[TheLurper]

I give up.

I'm doing guessing what is going to happen. I spent 400 on SPYG stock trying to catch the tail end of the dip yesterday. Initially this worked out awesome, but today it has proven to be a bad bet. I bought Euros during the weekend. This was initially a bad idea, ended up being a really good idea and I should bought more.

I'm just going to ride this rollercoaster and see what happens. There is no right answer. Trump and team have no idea what they are doing. They don't know if this a negotiation, if this is to raise tax revenue outside of income tax, or if this is to restructure the global economy. No idea if they are willing to force us to experience pain, while they spend their days living in luxury, or if they don't want to see us all suffer.

And, I don't know how to read the bond market that everyone is now talking about, but I can see that interest rates continue to rise on 10 year bonds and the US Dollar continues to fall. All things that aren't supposed to happen in moments of crisis and are apparently the reason Trump put a 90 days pause on tariffs. 10 year interest rates are supposed to go down in crisis cause the US gov is good at paying its bills and the US dollar is supposed to rise because the US is a safety currency. It is doing the opposite right now.

[Chavo]

Anyone with exposure to developing markets? Everyone seems to believe that Asian and Latin American markets are undervalued so I started buying FNDE ETF recently. But if we're their biggest consumers, how can global exchanges thrive if the U.S. goes into recession?

[elisunday]

i bought $60 in dogecoin iirc and some random bitcoin currency like 7/8 years ago but i can't remember what webpage is my wallet or what's my login info, none of that

[neonbrown]

i bought $60 in dogecoin iirc and some random bitcoin currency like 7/8 years ago but i can't remember what webpage is my wallet or what's my login info, none of that

Well there's cryptocurrency and there's Bitcoin. If you lost your Bitcoin, I'm sorry. If you lost your Doge and some other shitcoins, well they're basically all worthless now anyway.

[elisunday]

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i bought $60 in dogecoin iirc and some random bitcoin currency like 7/8 years ago but i can't remember what webpage is my wallet or what's my login info, none of that

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Well there's cryptocurrency and there's Bitcoin. If you lost your Bitcoin, I'm sorry. If you lost your Doge and some other shitcoins, well they're basically all worthless now anyway.

yeah whoops i meant cryptocurrency shitcoins. maybe i should've taken 2 minutes to research before entering this thread eh. well i guess that's a relief thanks.

[elisunday]

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i bought $60 in dogecoin iirc and some random bitcoin currency like 7/8 years ago but i can't remember what webpage is my wallet or what's my login info, none of that

[close]

That Doge would be worth ~$3k today. Your BTC would probably be worth anywhere from 7-10x your initial buy.

I'M NOT LISTENING TO YOU SHUT UP SHUT UP
i was hoping somebody would say "here's this site where you can access all crypto wallets and revive forgotten passwords using only your name and email address" yeah indeed not life changing money though. peanuts for some of you i'm sure, but it'd be nice to have

[fruits, nuts, + seeds:)]

do you any of you guys want shovels? im selling some

[Mr. Kamikazi]

I invested 15 years ago & it paid for all of my schooling. Since then I haven’t but it did work for me. I have no college debt. Paid for community college, undergrad & Grad school. As of now I have a modest 401K but investing right now seems foolish. Just a thought, not a hard stance.

[TheLurper]

Another dump and pump from the Trump admin. I wonder how MTG made today. Trump said to have left Powell alone (for now) and seems like he is blinking first in the trade war against China.

Mini-Dow is up in after hours. Trying to do my first after hours trade. So far the traders haven't gone through.

Edit: lol, only one of my trades went through. Sucks to miss out on the after hours rally. Who knows what today will bring.

[GardenSkater77]

Another dump and pump from the Trump admin. I wonder how MTG made today. Trump said to have left Powell alone (for now) and seems like he is blinking first in the trade war against China.

Mini-Dow is up in after hours. Trying to do my first after hours trade. So far the traders haven't gone through.

This guy is killing him 5 times a day.

BTW: I now have 40% of my savings in the market. I was at 30%. I don’t trust Trump at all, but it seems like he doesn’t have the guts to go up against the Chinese. My company is raising prices 6% this week. We’re cutting prices of our product in China by 15%. we’re considering selling old stock at cost. To just maintain the market and not lose to Chinese competitors. And we are just one small company that makes $100 million in Revenue.

Trump’s got too much going on with the human rights violations to worry about a real trade war he’s already given up on Russia and Ukraine. It seems like at this rate he’ll become a Rumpelstiltskin president.

[neonbrown]

[Big Brother]

Buy Bitcoin now and hold.

If you bought bitcoin exactly 1 month ago when I posted this, you would be up 16% already.

Buy bitcoin now and hold.

[TheLurper]

Not investing, but easy money:

New checking account w/direct deposit bonuses. There are bunch of banks offering $300+ bonuses for creating a checking account with them.

The sign up is usually pretty easy. It takes about 15 minutes to sign up and another 15 to sign into work account and change the direct deposit info.

[TheLurper]

Not investing, but easy money:

New checking account w/direct deposit bonuses. There are bunch of banks offering $300+ bonuses for creating a checking account with them.

The sign up is usually pretty easy. It takes about 15 minutes to sign up and another 15 to sign into work account and change the direct deposit info.

Rode the wave of this nonsense. Odd the tech companies are laying people off but my Google stock is up 86%.

I briefly owned TQQQ the other day. I sold after a quick gain cause it comes with all these warnings. I should have held on to it.

It is so weird that unemployment is up and the economy seems to be slowing but the stock market is giddy that all of this will cause the FED to cut rates. The last sugar high before it ends?

[GardenSkater77]

A whole month of gains gone in a day cause Donny boy had a temper tantrum. It is starting to feel like April again. I just parked a good amount of my savings in cash. It’s been a great run, but with 100% additional tariffs on China goods before the holiday season I am expecting a bloodbath next week.

[TheLurper]

I have no idea where to park my savings.

Bitcoin is recovering from its Friday drop, but who knows how long that will last. lol, someone did 100 million dollar short on BTC a minute before Trump posted his stupid tweet. I'm sure it is a coincidence 

YM=F shows the pre-market value of the DOW, curious which way it heads when it updates this evening. The FAANG stocks seem to be recovering after market. Who knows what the traders know or if they just assume Trump will back down again.

Funny, one idiot has the ability to make day traders insanely wealthy or insanely poor with just a silly tweet.

[propaganda]

is the ai bubble gonna burst? everything I keep seeing says it is which makes me think it’s not. Too big to fail? Crazy how much money or fake money even our on money is going into this just so it can save companies money. I guess they are thinking long term.

Just looking to have some intelllefual conversations. Idk what to do, I’m kinda big on cash even though inflation? I think I’m gonna become a doomsday prepper.

[GardenSkater77]

I have been reading a lot of articles this week and watching the market daily and there does not seem to be any consensus of what to do.

My current investment split is as follows:

40% S&P 500 Index
30% government bonds (Federal and Municipal)
30% Treasury Bills and Cash

One thing I recently did was to move my money to index funds with a low expense ratios (.11, .07, .04, .02). This was based on a simple explanation that if you have $1000 to invest in a fund with an expense ratio of say .5 then for every $1000 you earn John Hancock (my 401K provider) receives $50. There are calculation formulas on line that show that over time this adds up to tens of thousands of dollars.

Disclaimer: I am just becoming interested in investing as I am targeting 2040 retirement.

Edit: I don’t know who this tuber is but his overview of the economy is how I have been feeling but don’t have the words to express…

https://youtu.be/YNF3v23Xh0w?t=474&si=CFtbaFYMgbC9IVzW

[GardenSkater77]

Very interesting a clear overview of the problem with the modern stock market.

[StormonMormon]

Very interesting a clear overview of the problem with the modern stock market.

In 2000 I was a bike courier for Checker Cabs n both my dispatcher n supervisor raved about Canadian Aerospace.
" I talked to Phil Nelson , Canada bought a contract for x amount of helicopters n airplanes so I bought in at 53 cents , penny stocks, it did make it to $1.50ish n I did not sell n lost everything.
No more pink sheets for me anyway.

[BartHarleyJarvis]

is the ai bubble gonna burst? everything I keep seeing says it is which makes me think it’s not. Too big to fail? Crazy how much money or fake money even our on money is going into this just so it can save companies money. I guess they are thinking long term.

Just looking to have some intelllefual conversations. Idk what to do, I’m kinda big on cash even though inflation? I think I’m gonna become a doomsday prepper.

AI Bubble is going to burst. It's not if, it's when. There was actually a good article about it in The Ringer this morning of all places, I think it lays out a pretty good, simple case: https://www.theringer.com/2025/11/04/tech/ai-bubble-burst-popping-explained-collapse-or-not-chatgpt

I have been reading a lot of articles this week and watching the market daily and there does not seem to be any consensus of what to do.

My current investment split is as follows:

40% S&P 500 Index
30% government bonds (Federal and Municipal)
30% Treasury Bills and Cash

One thing I recently did was to move my money to index funds with a low expense ratios (.11, .07, .04, .02). This was based on a simple explanation that if you have $1000 to invest in a fund with an expense ratio of say .5 then for every $1000 you earn John Hancock (my 401K provider) receives $50. There are calculation formulas on line that show that over time this adds up to tens of thousands of dollars.

Disclaimer: I am just becoming interested in investing as I am targeting 2040 retirement.

If you're with Fidelity, I would recommend one of the free Index funds, personally I have 99% of my investments in FZROX or FNILX. I'm a bit further behind and probably won't retire before 2055 so I can be more aggressive, but even at a 2040 retirement I think you can probably invest more in stocks for more growth.

Obviously the past 5 years the line has basically only gone up and there will be a correction at some point, but I invested $30k in just those 2 funds in 2020 and they've grown 122% to $68k.

[TheLurper]

Very interesting a clear overview of the problem with the modern stock market.

Where did this come from? Nothing about this video looks real and the silly filter adds to it.

[GardenSkater77]

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Very interesting a clear overview of the problem with the modern stock market.

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Where did this come from? Nothing about this video looks real and the silly filter adds to it.

Yes, it is AI but I like the information and Richard Wolff’s presentation style is really captivating and I agree with most everything he says. Here is the statement from the Mind to Free account:

Mind To Free
⚠️ Disclaimer: This is a fan-made channel, and its content is not affiliated with Richard David Wolff or his companies. The videos are inspired by Richard David Wolff's public statements and ideas for educational and motivational purposes only, using a synthesized voice that does not belong to Richard David Wolff. We use visual lip-syncing and dubbed narration to match the spoken words with on-screen footage, purely to enhance clarity, create a cinematic experience, and make the content more engaging for viewers. Our aim is to amplify the original message by making it easier to understand for the end consumer, helping us reach and educate more people with Richard David Wolff's valuable perspectives

[GardenSkater77]

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is the ai bubble gonna burst? everything I keep seeing says it is which makes me think it’s not. Too big to fail? Crazy how much money or fake money even our on money is going into this just so it can save companies money. I guess they are thinking long term.

Just looking to have some intelllefual conversations. Idk what to do, I’m kinda big on cash even though inflation? I think I’m gonna become a doomsday prepper.

[close]

AI Bubble is going to burst. It's not if, it's when. There was actually a good article about it in The Ringer this morning of all places, I think it lays out a pretty good, simple case: https://www.theringer.com/2025/11/04/tech/ai-bubble-burst-popping-explained-collapse-or-not-chatgpt

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I have been reading a lot of articles this week and watching the market daily and there does not seem to be any consensus of what to do.

My current investment split is as follows:

40% S&P 500 Index
30% government bonds (Federal and Municipal)
30% Treasury Bills and Cash

One thing I recently did was to move my money to index funds with a low expense ratios (.11, .07, .04, .02). This was based on a simple explanation that if you have $1000 to invest in a fund with an expense ratio of say .5 then for every $1000 you earn John Hancock (my 401K provider) receives $50. There are calculation formulas on line that show that over time this adds up to tens of thousands of dollars.

Disclaimer: I am just becoming interested in investing as I am targeting 2040 retirement.

[close]

If you're with Fidelity, I would recommend one of the free Index funds, personally I have 99% of my investments in FZROX or FNILX. I'm a bit further behind and probably won't retire before 2055 so I can be more aggressive, but even at a 2040 retirement I think you can probably invest more in stocks for more growth.

Obviously the past 5 years the line has basically only gone up and there will be a correction at some point, but I invested $30k in just those 2 funds in 2020 and they've grown 122% to $68k.

Wow! That is excellent growth. I have always been too scared to put anything more than, say, 60% in the market. This comes from when I began investing in a 401K (2012) and how poor the returns were up until 2020. I barely made anything more than the 4% me and my employer added. But had I known what the last 5 years were going to be like I would have gone with 100% stocks. Still, my conservative strategy has generated 9.2% year over year for the last 13 years so I am happy and shocked by that. It was a hell of a lot less but since April my interest earnings have doubled.

I actually took even more money out of the stock market because I think the rally is going to end. I cannot just leave my money in and see how it goes.

I listened to an investor provide the following strategy and it sounded interesting.

When the market (s&p500) goes up 5% sell 5% of your stocks. When it drops by 5% buy 5%. And so on…

There is more to it than that but that is basically how it goes.

The other observation was that 7 stocks combhave gone up 90% in 3 years while the other 493 stocks have only gone up 25%.

Right now the market is getting by on pure speculation but consumers are so squeezed at the moment that I am worried this holiday season is going to begin a recession. I wanted to get the majority of my money out now so I don’t have to sit and watch thousands of dollars just melt away.

Edit I assume some of you watched The Big Short? Anyway, Christian Bale played Michael Burry who shorted (bet against) major banks who were buying subprime mortgages. Anyway, he has announced that he is shorting Nvida and Palantir. I say this just to make you guys aware so you have one more piece of information.

https://www.mk.co.kr/en/stock/11460214

Note that between 2007-2012 the stock market had zero gains after it lost 40% during the Lehman and Bear Sterns crash. Luckily I had no savings at the time. I just don’t want to see my fellow skaters get hurt if I can help it. That’s all…

[TheLurper]

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Very interesting a clear overview of the problem with the modern stock market.

[close]

Where did this come from? Nothing about this video looks real and the silly filter adds to it.

[close]

Yes, it is AI but I like the information and Richard Wolff’s presentation style is really captivating and I agree with most everything he says. Here is the statement from the Mind to Free account:

Mind To Free
⚠️ Disclaimer: This is a fan-made channel, and its content is not affiliated with Richard David Wolff or his companies. The videos are inspired by Richard David Wolff's public statements and ideas for educational and motivational purposes only, using a synthesized voice that does not belong to Richard David Wolff. We use visual lip-syncing and dubbed narration to match the spoken words with on-screen footage, purely to enhance clarity, create a cinematic experience, and make the content more engaging for viewers. Our aim is to amplify the original message by making it easier to understand for the end consumer, helping us reach and educate more people with Richard David Wolff's valuable perspectives

Yea, I'm a fan of Wolff, but this strikes me as something I'm going to stay away from. Putting his likeness and his voice to promote ideas that might sort of be aligned with his views is too far for me.

I'd rather have someone say, "I'm a fan of Wolff and this is my take..." than a bot pretending to be Wolff and a filter to decrease how noticeable AI is.