(Quite literally the antithesis of anything Parenti)

I just got a raise and have some money to waste. Should I dump it now or wait until later? I'm hoping it might help me pay off some of my loans

It was down pretty big Monday, but I'm guessing the crash that people have been talking about for the past five years will be bigger

  • Des [she/her, they/them]
    ·
    3 years ago

    i'm personally waiting with my little piece of "investment savings". everything is basically a race between inflation % from sitting in savings vs. stock market. wait until the fed raises interest rates because it might result in a big downturn.

    • Parenti [comrade/them,any]
      hexagon
      ·
      3 years ago

      Yeah I'm hesistant as well. I've seen some days where it's been super down, but then it rebounds the next day

      I'm guessing you won't be able to miss it when the "big one" comes

      • Des [she/her, they/them]
        ·
        3 years ago

        yeah the big one should be evident. only challenge is knowing when it actually stops dropping and levels out.

        • Parenti [comrade/them,any]
          hexagon
          ·
          edit-2
          3 years ago

          That's a good point

          Who knows, maybe it'll be on pause until after we're dead. It didn't take much for the fed to turn everything around when it crashed the day coronavirus was found in the US

          • Des [she/her, they/them]
            ·
            3 years ago

            i'm coming around to the (maybe) paranoid theory that they are going to raise rates to smother the growing labor movement in it's infancy by triggering a short, sharp recession. i think it's going to backfire

    • cawsby [he/him]
      ·
      3 years ago

      Open an account and invest $50-100 a day into a index etf until the money is invested. Here is a good list.

      https://www.investopedia.com/investing/top-sp-500-etfs/

      Dollar Cost Averaging will smooth out any major volatility in the markets.

      https://www.investopedia.com/terms/d/dollarcostaveraging.asp

      • Des [she/her, they/them]
        ·
        3 years ago

        ehh i just throw chunks of money into SPY. i just have some set aside as sort of a "break glass if market crash". it's money that would be part of my emergency savings anyways.

        • cawsby [he/him]
          ·
          3 years ago

          Add Dow Jones and the Russell 2000/3000 index and that is the holy trinity for index fund investing.