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Starting to invest at age 40, what do I need to know?
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Date: June 14th, 2026 7:03 AM Author: Brother Louie (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937363) |
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Date: June 14th, 2026 9:28 AM Author: .,.,.,.,,,,.,,.,.,.,...,,..,, Literally am in the Same boat but check out my story.
Put off investing for ages bc too pussy.
When I finally went in I was stupid and went all in on a specialized long short fund in Feb that did great at first that has been down only since April when the mkt went up 20% and is flat now. So I freed up some more cash and bought vgt at literally the top ($124.5) one week ago and watched it fall 10% and now I want to die. |
Date: June 14th, 2026 7:44 AM Author: Cletus Van Damme https://www.autoadmit.com/thread.php?thread_id=3025754&mc=227&forum_id=2
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Date: June 14th, 2026 7:45 AM Author: gamer girl stock reports buy Bitcoin and forget about it
https://www.blockchaincenter.net/bitcoin-rainbow-chart/
*this is not financial advice |
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Date: June 14th, 2026 7:49 AM Author: Brother Louie I have about:
$100k in regular random stocks
$250k in my 401k all basically SPY
$50k in BTC
$200k equity in home
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Date: June 14th, 2026 7:46 AM Author: cowgod I guess try to get Lucky since you’re starting so late (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937383) |
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Date: June 14th, 2026 7:47 AM Author: Brother Louie I don’t understand the compound interest thing in a 401k. Aren’t you just investing in an index of stocks that go up? How is that compound interest? (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937385) |
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Date: June 14th, 2026 7:53 AM Author: cowgod If nothing else there’s a dividend yield that gets reinvested
Anyway if it goes up by 8% 2 years in a row that’s technically compound interest
There are other forms of interest that don’t compound per se such as the interest paid on a Bond iirc. |
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Date: June 14th, 2026 7:54 AM Author: Brother Louie Gotcha. I’m very far behind. But my NW is about $600k I guess. Plus I’ll get $100k from her grandfather when he dies I guess. (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937391) |
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Date: June 14th, 2026 12:55 PM Author: golazos in abundance If you buy 100 dollars worth of SPY today and it goes up 10% a year you have 110 next year. If you put in another hundred you have 210 invested. At the end of year 2 you have 231. You buy in another hundred that's 331. At the end of year 3 you have 364. If you didn't invest at all you'd have 300 which would be worth about 288 after inflation. Would you rather have 364 dollars (worth about 352 after inflation) or 300 dollars. Now add 3 zeros to these numbers. 364,000 or 300,000. In one scenario you made a year's worth of salary of the average person and you beat inflation by a substantial amount. 352k or 288k. The person who didn't invest is really far behind.
In one scenario your investment is compounding as you make gains on your principle and on your gains. It compounds brother. Not doing anything is ttt af. |
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Date: June 14th, 2026 1:05 PM Author: Brother Louie So I have $250k in my 401k and it’s in SPY. Am I good? (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937949) |
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Date: June 14th, 2026 1:11 PM Author: golazos in abundance It's always good to have your core retirement in SPY. You should also have a more aggressive risk sleeve seeing as the market is in a historically significant bull run. Given the chip stock boom you want to own some NVDA AMD INTEL MU SNDK SOXL type shit. You should have an edge account where you go for the moon and then when you make a lot of gains pull out of your risk sleeve and dump it back into SPY for stability. (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937958) |
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Date: June 14th, 2026 8:09 AM Author: need tokens no matter when you start, investing is just hoping to get Lucky (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937412) |
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Date: June 14th, 2026 7:57 AM Author: Charles Tyrwhitt Dad Just put everything in a S&P fund like VOO or FXAIX and forget about it until retirement. If you want to diversify, do 50% VOO 30% VTI and 20% VSUX. These are ETFs covering the S&P, the broader total stock market, and international funds.
Don't ever sell till retirement. Ignore market swings. You lose more money panic selling than leaving the fund alone and accepting the bear markets every now and then. |
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Date: June 14th, 2026 8:03 AM Author: Fucking Fuckface Fuck that: http://www.autoadmit.com/thread.php?thread_id=5874026&forum_id=2#49937400 (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937406) |
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Date: June 14th, 2026 9:24 AM Author: .,.,.,.,,,,.,,.,.,.,...,,..,, Why not do something like 50% VTI 50% VGT? (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937533) |
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Date: June 14th, 2026 8:04 AM Author: Rage Problems 40 is too late just yolo til you die (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937408) |
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Date: June 14th, 2026 8:04 AM Author: ,.,,,. I am not sure if bitcoin us good or bad. Spmo is a good index better than s&p (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937409) |
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Date: June 14th, 2026 9:43 AM Author: .,.,...,..,.,.,:,,:,...,:::..,.,:,.,.:.,:.,:.::,. what about QQQ? (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937568) |
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Date: June 14th, 2026 9:44 AM Author: Brother Louie I have about:
$100k in regular random stocks
$250k in my 401k all basically SPY
$50k in BTC
$200k equity in home
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Date: June 14th, 2026 9:45 AM Author: constitutional crisis theater director (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937572) |
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Date: June 14th, 2026 1:13 PM Author: luke the drifter (definite and ineradicable gauge of its upward moving) I have been investing all my life, and it's almost killed me. Now I'm just on the long slow decline, on my way out. (http://www.autoadmit.com/thread.php?thread_id=5874089&forum_id=2Reputation#49937960) |