- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: What’s the best, safe long term retirement investment
Posted on 5/12/23 at 4:59 pm to RoyalWe
Posted on 5/12/23 at 4:59 pm to RoyalWe
It’s not possible.
The wealth is stored on the blockchain with the code to access in my mind.
The government knows it’s impossible.
They may make it illegal at some point and then it will just be a waiting game to get to a place where it’s not illegal.
Much like the gold situation 100 years ago in USA
The wealth is stored on the blockchain with the code to access in my mind.
The government knows it’s impossible.
They may make it illegal at some point and then it will just be a waiting game to get to a place where it’s not illegal.
Much like the gold situation 100 years ago in USA
1
Posted on 5/12/23 at 5:15 pm to TigerToGeaux
quote:
Nothing that will reliably (over decades) keep up with inflation will be no risk (ie safe)
That's what treasury TIPS bonds do is to keep up with inflation over decades and the closest thing to risk free you can get. TIPS are sold at 5/10/30 year durations.
Now you're not beating inflation either, so your spending power isn't increasing. TIPS won't make you rich, but they can keep your rich. If you hold TIPS to maturity, you are guaranteed at least your principal plus the inflation adjustment over the years.
A common strategy for retirement is to build a TIPS ladder to guarantee real (not nominal) income until you start social security.
Posted on 5/12/23 at 6:31 pm to HighlyFavoredTiger
Assuming you’re retiring in 10 years, I’d lock up 2-3 years of expenses in a bond or CD ladder. Put the remainder in the stock market 60/40 or 70/30 domestic/international. Broad index funds like VOO, Small cap value (15%), and large cap value on the domestic side and total market on the international side.
Set it and forget it for about 7 or 8 years. But still make contributions .Then draw down enough equities the last 2 or 3 years and buy bonds so that you have a 5 year ladder when the 10 year period is up.
Set it and forget it for about 7 or 8 years. But still make contributions .Then draw down enough equities the last 2 or 3 years and buy bonds so that you have a 5 year ladder when the 10 year period is up.
Posted on 5/12/23 at 7:59 pm to HighlyFavoredTiger
You're going to trigger a suspicious activity report if you walk into a bank and hand them a million in cash at once. they could even put a hold on the account.
Posted on 5/13/23 at 7:01 am to I Love Bama
So when I read that the government found devices with bitcoin or that they have recovered bitcoin it's because they also recovered an encryption key?
Posted on 5/13/23 at 7:23 am to RoyalWe
quote:
So when I read that the government found devices with bitcoin or that they have recovered bitcoin it's because they also recovered an encryption key?
That is correct. Someone gave them the password to access. Bitcoin is a decentralized network, meaning the USA government has no more authority over it than you or I.
If I get on a plane with $100,000 cash to go from USA to Colombia, I'm getting my money taken from me.
If I try to travel with $100,000 in gold, they are taking it from me.
If I get on a plane with $100,000 in Bitcoin, not only is it impossible for them to know, they can't stop it.
Posted on 5/13/23 at 7:53 am to HighlyFavoredTiger
quote:
Let’s say 1 million in cash falls into you hands,
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?
Not saying this is an answer to your question, but assuming no debt to pay off, I would probably split it up and go $200K in CDs, $200K in T-bills, $125K in bonds, $125K in TIPS, $125K in money market accounts and $225K in an S&P type ETF. It may not be that exact ratio, and if interest rates changed, I’d probably reshuffle, but something like this.
This post was edited on 5/13/23 at 1:42 pm
Posted on 5/13/23 at 11:54 am to I Love Bama
quote:
If I get on a plane with $100,000 in Bitcoin, not only is it impossible for them to know, they can't stop it.
So how do you cash in this bitcoin if they outlaw it. Do you not need access to a computer? Internet? I've been trying to think of every scenario they might could make it disappear.
Posted on 5/13/23 at 4:01 pm to HighlyFavoredTiger
Recreational Hunting and Timberland
Posted on 5/14/23 at 4:45 am to I Love Bama
quote:
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.
Your posts are always amusing, but this one is really great.
Posted on 5/14/23 at 5:33 am to SmackoverHawg
Let’s agree on who “they” is first of all.
If Bitcoin is a threat to USD, do you think other countries are going to try and work with USA to ban it?
Theoretically, if they shut down all electricity and all internet at the same time in the world, you could pause Bitcoin, but the recorded ledger is still there and it just starts back up when reconnected.
If you are being authentic in your questioning and learning, I am happy to buy you a copy of the Bitcoin Standard which is what opened my eyes many years ago.
If Bitcoin is a threat to USD, do you think other countries are going to try and work with USA to ban it?
Theoretically, if they shut down all electricity and all internet at the same time in the world, you could pause Bitcoin, but the recorded ledger is still there and it just starts back up when reconnected.
If you are being authentic in your questioning and learning, I am happy to buy you a copy of the Bitcoin Standard which is what opened my eyes many years ago.
Posted on 5/14/23 at 7:24 am to gpburdell
quote:
A common strategy for retirement is to build a TIPS ladder to guarantee real (not nominal) income until you start social security.
This. The best time to do it was last fall, when the Yield to Maturity on them was getting close to 2% before inflation adjustments.
Posted on 5/15/23 at 12:06 pm to I Love Bama
Posted on 5/15/23 at 10:04 pm to HighlyFavoredTiger
O
I
L
I
L
Posted on 5/26/23 at 10:34 pm to gpburdell
quote:
That's what treasury TIPS bonds do is to keep up with inflation over decades and the closest thing to risk free you can get.
True, TIPS or I-Bonds would be a good safe buy and keep up with inflation. My mistake. What I should have said was nothing risk free will surpass inflation over a long period of time.
Posted on 5/27/23 at 5:33 am to HighlyFavoredTiger
quote:
With 10 year CD’s bumping 4%, I’d probably lean towards those and money markets.
Why? Inflation is currently above that and the Fed raised the core target from 2% to 3%. Should it stay there, you’d barely be keeping up with inflation.
Every investment option contains risk. In this case, purchasing power risk, which is the most commonly overlooked. People think “but my money will be safe”. Yes, safely losing value and the ability to buy things.
Posted on 5/27/23 at 7:46 pm to HighlyFavoredTiger
quote:
What’s the best, safe long term retirement investment
An Annuity.
This post will get down voted but it's true.
Page 2 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News