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What’s the best, safe long term retirement investment
Posted on 5/12/23 at 10:31 am
Posted on 5/12/23 at 10:31 am
Let’s say 1 million in cash falls into you hands, whether by inheritance, lotto winnings, asset sales…regardless of how you get it, once you have it, what would be the safest, least risk way to invest it so that it grows but isn’t exposed to ups and downs of equity markets. Would it be Monet markets, CD’s or what?
With a goal of retaining the initial deposit while growing the investment and not making withdrawals for at least 10 years.
With a goal of retaining the initial deposit while growing the investment and not making withdrawals for at least 10 years.
17
Posted on 5/12/23 at 10:35 am to HighlyFavoredTiger
Real estate in a college town near a major hospital.
Posted on 5/12/23 at 10:38 am to HighlyFavoredTiger
Bond ladder. Assuming you're working and have a positive cash flow, you won't need to touch it.
Posted on 5/12/23 at 10:54 am to HighlyFavoredTiger
Bitcoin
- I Love Bama
- I Love Bama
Posted on 5/12/23 at 11:08 am to HighlyFavoredTiger
Treasuries are assumed to be risk free. You can buy them for up to 30 years.
Posted on 5/12/23 at 11:24 am to HighlyFavoredTiger
quote:
Monet markets,
I don’t know much about art as an investment, but he certainly would be a blue chip
Posted on 5/12/23 at 11:28 am to HighlyFavoredTiger
I was having a conversation with some in-laws at a family reunion recently and in a conversation one of the guys while catching us up on family, mentioned that they expect to have a large sum of money coming to them after legal dealings and probate.
I know I’ll never see a lump sum windfall like he expects but it did make me question how I’d invest it if I had it, he said they are talking to a financial advisor so they’ll probably figure it out. With 10 year CD’s bumping 4%, I’d probably lean towards those and money markets.
I know I’ll never see a lump sum windfall like he expects but it did make me question how I’d invest it if I had it, he said they are talking to a financial advisor so they’ll probably figure it out. With 10 year CD’s bumping 4%, I’d probably lean towards those and money markets.
Posted on 5/12/23 at 11:47 am to HighlyFavoredTiger
Without taking on some risk youre not going to actually grow the $. It will slowly lose real value due to inflation. A well balanced portfolio with a mix of stocks and bonds rebalanced at regular intervals is your best option to get some growth while smoothing the ups and downs.
Posted on 5/12/23 at 11:48 am to HighlyFavoredTiger
2 shares of BRK A
Posted on 5/12/23 at 11:50 am to HighlyFavoredTiger
1. Rare real estate (lake home, property in middle of city, beach, primo farm land)
2. Bitcoin
It's not enough right now to protect yourself from the ups and downs in the markets. You have to protect yourself against the government.
2. Bitcoin
It's not enough right now to protect yourself from the ups and downs in the markets. You have to protect yourself against the government.
Posted on 5/12/23 at 1:28 pm to I Love Bama
quote:
You have to protect yourself against the government.
Seems like if things got this bad and the government became openly antagonistic, they'd just seize you. Won't even need to touch the BTC.
This post was edited on 5/12/23 at 1:29 pm
Posted on 5/12/23 at 2:10 pm to Teddy Ruxpin
quote:
Seems like if things got this bad and the government became openly antagonistic, they'd just seize you. Won't even need to touch the BTC.
You don't understand. Things are different now than ever before. The world is crashing, the financial systems are ending. The government is out to get us. We must become our own banks, and fast!
Posted on 5/12/23 at 2:19 pm to HighlyFavoredTiger
Nothing that will reliably (over decades) keep up with inflation will be no risk (ie safe). Use a common sense approach of stock/bond ratios combined with some real estate investment (if you have time for that) to find a risk tolerance you are comfortable with.
Risk is inherent in the market and investing a “random” $1M should be the same as hard earned $1M dollars IMO. Use a “buy and hold” strategy at an acceptable risk tolerance for you personally.
There is no secret sauce
Risk is inherent in the market and investing a “random” $1M should be the same as hard earned $1M dollars IMO. Use a “buy and hold” strategy at an acceptable risk tolerance for you personally.
There is no secret sauce
Posted on 5/12/23 at 2:59 pm to Big_Sur
quote:
You don't understand. Things are different now than ever before. The world is crashing, the financial systems are ending. The government is out to get us. We must become our own banks, and fast!
Posted on 5/12/23 at 3:07 pm to HighlyFavoredTiger
VOO
If the S&P goes south, we are all fooked. Those companies will be defended as long as capitalism survives.
If the S&P goes south, we are all fooked. Those companies will be defended as long as capitalism survives.
Posted on 5/12/23 at 3:23 pm to Teddy Ruxpin
quote:
Seems like if things got this bad and the government became openly antagonistic, they'd just seize you. Won't even need to touch the BTC.
My insights are derived from extensive studies on the history and cycles of empires and central banks.
I've spent countless hours engaging in insightful discussions with affluent Venezuelan and Argentine families. We've dissected the fallacies of fiat currency and explored various strategies they used to safeguard their wealth.
An in-depth study of currency history reveals a predictable pattern over time. Prominent examples include Great Britain in 1967, the Roman Empire, Egypt in 2016, and India in the 1960s.
It's often met with amusement when I'm dubbed a "conspiracy theorist" for advising caution towards government financial strategies. However, a closer look at historical precedents should be enough to raise concerns and have a plan B.
The U.S. government, for instance, confiscated citizens' gold in 1933. Cuba followed a similar path in the early 1960s, and more recently, in 2013, Cyprus imposed heavy financial measures on its citizens taking cash from balances over $100,000.
Present day China has strict capital controls not letting citizens use their own money for what they want and taking property from whoever they want.
An understanding of history is crucial in foreseeing and preparing for potential financial upheavals.
I don't recommend people put the same level of net worth that I do in Bitcoin.
If I lose half of everything tomorrow, nothing in my life would change.
But it is wild to me a regular person can watch what is happening, neglect their critical thinking ability and plan for events that have already happened and continue to happen all over the world.
There is only one asset that the government can't take from me and I can move freely with it anywhere in the world and that is important to me in my lifestyle.
If I was 100% going to stay in Alabama for my entire life and I was a Bitcoin skeptic. I would have at least 20% of my worth in land, gold, guns and ammunition.
Posted on 5/12/23 at 3:44 pm to I Love Bama
quote:
An understanding of history
People have been predicting the end forever. Constantly. Someone will be right eventually, sure. Maybe 2 years, maybe 200 years. Maybe 2k years.
If looking at the wide view, life on earth for humans has never been better. Prosperity abounds. Technology is solving problems and saving lives. We can eat anything we want, from anywhere, any time. It's amazing.
USA as the sole empire doesn't have to remain as is for everything to continue to be amazing. Although in terms of empires...we haven't even started yet. Give it another few hundred years before calling for the end.
Unless you've bet the farm on this being the end, then by all means promote the end times!
Posted on 5/12/23 at 4:00 pm to Big_Sur
Being prepared for bad times does not mean a prediction for the end of times.
I don't think my house will burn down, but I keep insurance.
I don't think someone will break down my door and try to hurt my, but I keep a gun next to my bed.
I'm not planning having a wreck, but I wear my seatbelt.
"The farther backward you can look, the farther forward you are likely to see." - Winston Churchill
I don't think my house will burn down, but I keep insurance.
I don't think someone will break down my door and try to hurt my, but I keep a gun next to my bed.
I'm not planning having a wreck, but I wear my seatbelt.
"The farther backward you can look, the farther forward you are likely to see." - Winston Churchill
Posted on 5/12/23 at 4:21 pm to I Love Bama
quote:Are you saying that they don't have the capability to take your bitcoin or that they won't?
There is only one asset that the government can't take from me...
Posted on 5/12/23 at 4:27 pm to HighlyFavoredTiger
quote:
best safe long-term
You can essentially never have all 3 of these. Pick 2.
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