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Old 07-15-2019, 10:54 PM
Nomad, 2nd Nomad, 2nd is online now
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Default Wow short term returns suck!



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Looking at the 5 year and under options....

(Mostly do long term, Or buy 'things': cars, equipment, alpha strategy stuff.... Better returns. planning on building my ICF house in ~5 years, so I'll be saving a good chunk going forward, (more than would be practical to keep in "stuff" but relatively short term.)


****ty.

2% for anything "safe"
thats like making $7 on a $350 AR parts kit.

hummmm.....
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Old 07-16-2019, 02:48 AM
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Quote:
Originally Posted by Nomad, 2nd View Post
Looking at the 5 year and under options....

(Mostly do long term, Or buy 'things': cars, equipment, alpha strategy stuff.... Better returns. planning on building my ICF house in ~5 years, so I'll be saving a good chunk going forward, (more than would be practical to keep in "stuff" but relatively short term.)


****ty.

2% for anything "safe"
thats like making $7 on a $350 AR parts kit.

hummmm.....
What are you thinking of investing in for 5 years?
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Old 07-16-2019, 03:10 AM
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Jeff Davis bank has an account called Kassassa, a no fee checking account that pays up to 5% on your first 10k. My wife and I both have one.
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Old 07-16-2019, 07:52 AM
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Quote:
Originally Posted by Nomad, 2nd View Post
Looking at the 5 year and under options....

(Mostly do long term, Or buy 'things': cars, equipment, alpha strategy stuff.... Better returns. planning on building my ICF house in ~5 years, so I'll be saving a good chunk going forward, (more than would be practical to keep in "stuff" but relatively short term.)


****ty.

2% for anything "safe"
thats like making $7 on a $350 AR parts kit.

hummmm.....
Since 2020 and 2024 are both election yrs, market volitility is likely. Plus you will be too busy to worry about market risk.
Focus on saving principle, drawing up good plans, and picking a competent contractor.
When its time to start building the house, the last thing you want is trouble accessing your investments.
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Old 07-16-2019, 12:05 PM
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Quote:
Originally Posted by tiberius View Post
What are you thinking of investing in for 5 years?
Don't know, just started looking. Hence the post.
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Old 07-16-2019, 12:07 PM
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Since 2020 and 2024 are both election yrs, market volitility is likely. Plus you will be too busy to worry about market risk.
Focus on saving principle, drawing up good plans, and picking a competent contractor.
When its time to start building the house, the last thing you want is trouble accessing your investments.
fortunately I have 2 friends with ICF houses, (one an architect) I can lean on heavily. (Both designed and had theirs built.)

Don't plan on putting it into stocks for that reason.
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Old 07-16-2019, 01:00 PM
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Quote:
Originally Posted by Nomad, 2nd View Post
Don't know, just started looking. Hence the post.
Personally, I put money into funds.
Two global funds that have outperformed the market for years are...

Fundsmith Equity Accumulation
http://www.morningstar.co.uk/uk/fund...?id=F00000LK2Q

That has averaged around 23% per year for the last 5 years.

Lindsell Train Global Equity
http://www.morningstar.co.uk/uk/fund...?id=F00000MC3M

That has also averaged around 23% per year for the last 5 years...

$1000 at 23% return for 5 years is about $2815.

Actually, I was curious so I checked out my accounts.
I have just over $100k in those two actual funds as of today.
NOTE: Fundsmith is up 29% this year to date...
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Old 07-16-2019, 02:01 PM
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I've been investing in IRA'S Since I was 15, that's separate.
This is house building money and not going into the stock market.
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Old 07-16-2019, 02:25 PM
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No idea how much money your playing with but the Capital Group would be my choice for longer term objectives. Put the higher than usual fees to one side and consider Capital Groups funds overall returns.

https://www.capitalgroup.com/us/
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Old 07-16-2019, 02:29 PM
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Quote:
Originally Posted by Asag View Post
No idea how much money your playing with but the Capital Group would be my choice for longer term objectives. Put the higher than usual fees to one side and consider Capital Groups funds overall returns.

https://www.capitalgroup.com/us/
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
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Old 07-16-2019, 02:56 PM
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Quote:
Originally Posted by Nomad, 2nd View Post
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
Short term, Short term, Short term, Short term, Short term, Short term,
My longer term is about 4 years being the economic pessimist that I am.
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Old 07-16-2019, 07:43 PM
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Quote:
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My longer term is about 4 years being the economic pessimist that I am.
I try to plan for everything and nothing.

Have enough in the market that should historical trends continue it'll be all I need.

I expect to never spend it even if it's there to be spent.
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Old 07-16-2019, 08:53 PM
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Short Term ?
When I hear that I think 4 & 8 week T-Bills.
Long term is 6 months plus...
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Old 07-16-2019, 08:57 PM
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Quote:
Originally Posted by Fred Nietzsche View Post
Short Term ?
When I hear that I think 4 & 8 week T-Bills.
Long term is 6 months plus...
Just like: "LTS food" has an accepted defination in the Prepping community. (As has been pointed out: 5 years in THIS category barely reaches the minimum threshold)

In the FINANCIAL WORLD "short term" is considered LESS than 5 years.


Common people, look at which forum it's in and figure out the context.
Some of us ACTUALLY prep in a VARIETY of areas!
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Old 07-17-2019, 08:49 PM
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Quote:
Originally Posted by Nomad, 2nd View Post
In the FINANCIAL WORLD "short term" is considered LESS than 5 years.
Ahh...
The "Financial World".
The people who brought us the:
SnL Crisis of the 80's, the DotCom Bubble, the Housing Bubble and the 2008 Depression.
So I would certainly follow ANY premise they suggest.

To clarify:
What I was saying (based on the current volatility) in "My Financial World", 6 months is a long time.
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Old 07-18-2019, 05:59 PM
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Quote:
Originally Posted by Fred Nietzsche View Post
Short Term ?
When I hear that I think 4 & 8 week T-Bills.
Long term is 6 months plus...

Defined here as less than a year:
https://www.investopedia.com/terms/s/shortterm.asp
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Old 07-18-2019, 06:04 PM
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That is how it has been for ages. Gov keeps rates very low so they can keep their dept high. Just how things go. That is why you are on a survival forum.
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Old 07-20-2019, 08:45 PM
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Quote:
Originally Posted by slackercruster View Post
That is how it has been for ages. Gov keeps rates very low so they can keep their dept high. Just how things go. That is why you are on a survival forum.
Contrary to all the hype, they dont want you to save.
The idea is to keep the rate of return below inflation. That way your money in typical savings looses value.
They want to force you to spend or invest where they can make their money from you.
Also is keeps you from building wealth.
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Old 07-21-2019, 11:18 AM
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Quote:
Originally Posted by Fred Nietzsche View Post
Contrary to all the hype, they dont want you to save.
The idea is to keep the rate of return below inflation. That way your money in typical savings looses value.
They want to force you to spend or invest where they can make their money from you.
Also is keeps you from building wealth.
Yup, in addition, having people's money locked up in homes and 401k's also ensures that velocity stays low, which in turn masks real inflation rates. It's in the .gov's best interest for the stock market to be overvalued and homes to be overpriced, so they do everything they can to make that happen.
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