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  1. #1
    Registered User VegasLifter26's Avatar
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    ANy brahs know about investing and building a portfolio?

    Thinking to put my money into the stock market ...currently have around 10k there, i have 250k sitting in the bank...what is the best way to divide it up? Also, when it comes to investing in the market, what % should be in dividend yielding stocks vs growth stocks. And/or individual stocks ? Right now im looking at the symbols

    SPYD
    VOO
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  2. #2
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    Lmao

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    All the other misc investment gurus

    You’re better off putting it all on black than getting advice from misc
    watch paul hogan movies and eat kangaroo and koala bears and play digiriedoos and throw boomerangs and drive outbacks. So whatever.
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  3. #3
    IDDQD Austanian's Avatar
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    If you don't know what you are doing just go all in on either an S&P500 or total market index and let it sit. Investing what you need to for your retirement goal to be met.


    You will perform exactly how the market performs. Your risk will be exactly what the market it is. If the market crashes when you are about to retire keep working for a few extra years and wait for the rebound. When you retire either buy a life time or fixed term annuity and call it good.

    Individual stocks are stupid for the average Joe. Even for people that do know how to evaluate stocks picking winners is hard.

    My personal portfolio management style is to sign up for a morning star account. Sort by 4&5 star etf funds. Then I pick 8 of those winning funds from different sectors. I grab quarterly return data spanning past the last market crash for each. Then I run solver in excel to minimize portfolio co-variance (risk) for a given return or you can reverse it and maximize return for a given risk. (This is called the Efficient Frontier in Modern Portfolio Theory).
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  4. #4
    My farts don't smell aleeboy's Avatar
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    With the current pricing, you need to look at momentum stocks and trade actively.

    Don't buy into passive investing. This worked due to QE.

    Capitalism is transforming right now and you need to back winners.

    The only problem with momentum stocks is you need to know information or have access to information. Good luck playing with the whales bro.

    I recommend 25% cash, 75% momentum stocks. Do not get sucked into Dividend stocks. They will all need to adjust down their yields, which would result in sizable price adjustments.
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  5. #5
    Registered User VegasLifter26's Avatar
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    Originally Posted by aleeboy View Post
    With the current pricing, you need to look at momentum stocks and trade actively.

    Don't buy into passive investing. This worked due to QE.

    Capitalism is transforming right now and you need to back winners.

    The only problem with momentum stocks is you need to know information or have access to information. Good luck playing with the whales bro.

    I recommend 25% cash, 75% momentum stocks. Do not get sucked into Dividend stocks. They will all need to adjust down their yields, which would result in sizable price adjustments.
    Right now im in the ETFs

    NOBL
    VTV
    RSP
    IJJ

    how do those look?
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  6. #6
    My farts don't smell aleeboy's Avatar
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    Originally Posted by VegasLifter26 View Post
    Right now im in the ETFs

    NOBL
    VTV
    RSP
    IJJ

    how do those look?
    You look like you are in fairly balanced funds.

    Your returns are lower than market due to this. For example, some of my stocks have returned > 150% whilst you are just about market.

    I am not a fan of ETFs unless I can gain exposure to an international market that I have limited access to information, but want to put my feet into.

    ETFs reduce liquidity and inflate prices over the long term. I can't imagine what would happen once they execute their new strategies.
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  7. #7
    Registered User VegasLifter26's Avatar
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    Originally Posted by aleeboy View Post
    You look like you are in fairly balanced funds.

    Your returns are lower than market due to this. For example, some of my stocks have returned > 150% whilst you are just about market.

    I am not a fan of ETFs unless I can gain exposure to an international market that I have limited access to information, but want to put my feet into.

    ETFs reduce liquidity and inflate prices over the long term. I can't imagine what would happen once they execute their new strategies.
    what are some stocks u are in?
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  8. #8
    Registered User ashin1's Avatar
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    The YOY growth of my dividends have grown 13% to this day, and that's solely on the DRIP and no additional contributions on my end.

    CNR Rail is a really good dividend growth stock if you are looking at particular companies for a healthy dividend.
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  9. #9
    mreatassbtchslapr hoganrulz's Avatar
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    Buy high sell low
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  10. #10
    My farts don't smell aleeboy's Avatar
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    Originally Posted by VegasLifter26 View Post
    what are some stocks u are in?
    I'm in about ten tickers right now.

    Allocated across several sectors and regions.

    I do not own any Financial stocks is all I will say.
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  11. #11
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    Originally Posted by hoganrulz View Post
    Buy high sell low
    I laughed so hard at this llol
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  12. #12
    IDDQD Austanian's Avatar
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    Originally Posted by aleeboy View Post
    You look like you are in fairly balanced funds.

    Your returns are lower than market due to this. For example, some of my stocks have returned > 150% whilst you are just about market.

    I am not a fan of ETFs unless I can gain exposure to an international market that I have limited access to information, but want to put my feet into.

    ETFs reduce liquidity and inflate prices over the long term. I can't imagine what would happen once they execute their new strategies.
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    Why not get involved in Ecommerce specifically physically product brands through contract manufacturing/ private labeling?

    Something to look into
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    Just put it in VTSAX.
    The Misc is where I'm from, but it's not what I am
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    Originally Posted by AlvinDavenport View Post
    Just put it in VTSAX.
    This
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    Originally Posted by solidus2k3 View Post
    index fund crew
    gang gang gang
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    Originally Posted by hoganrulz View Post
    Buy high sell low
    The WallStreetBets Way!
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  19. #19
    mreatassbtchslapr hoganrulz's Avatar
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    Originally Posted by Spahgetti View Post
    The WallStreetBets Way!
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    You have 250k in savings and only 10k in investments? Strong wtf OP unless you’re seriously predicting a market crash.

    Personally, I invest in index funds for long-term growth. Specifically, VFIAX.

    Fuk managed funds. And fuk individual stocks unless you can invest a lot of time researching.

    Read some books: Intelligent Investor. Little Book of Common Sense Investing.

    Also wtf do you do for work to have $250k in savings at 28?
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  21. #21
    Registered User VegasLifter26's Avatar
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    Originally Posted by ShakeBrah View Post
    You have 250k in savings and only 10k in investments? Strong wtf OP unless you’re seriously predicting a market crash.

    Personally, I invest in index funds for long-term growth. Specifically, VFIAX.

    Fuk managed funds. And fuk individual stocks unless you can invest a lot of time researching.

    Read some books: Intelligent Investor. Little Book of Common Sense Investing.

    Also wtf do you do for work to have $250k in savings at 28?
    yea i dun goofed not investing earlier but hey its never too late right?

    btw for you guys recomending funds such as vstax...do you put all your money in 1 fund or do u split it among seversal index funds?

    also what % should be allocated towards individual stocks/ high risk investments..ive heard 10 -20 %

    basiclaly if someone could devise a pie chart for a portfolio that would be great such as (40% dividend funds 40% growth index funds 20% individual stocks)
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  22. #22
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    Originally Posted by VegasLifter26 View Post
    yea i dun goofed not investing earlier but hey its never too late right?

    btw for you guys recomending funds such as vstax...do you put all your money in 1 fund or do u split it among seversal index funds?

    also what % should be allocated towards individual stocks/ high risk investments..ive heard 10 -20 %

    basiclaly if someone could devise a pie chart for a portfolio that would be great such as (40% dividend funds 40% growth index funds 20% individual stocks)
    VTSAX is the market. It is as diversified as possible (For US businesses). Even though it is just one.

    If you have the mental tools and training you can get extra return by picking certain sector index funds over just picking "total market". However, you skipped over my post that explained what I do which seems to indicate you didn't understand what I said.

    The fundamental goal of investing is to get the most amount of return at a given risk level. There is no pie chart with percentages. At any given time the ideal percentage would be different. Either copy and paste a generic strategy, pay someone to do it for you, or learn.
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  23. #23
    Registered User VegasLifter26's Avatar
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    Originally Posted by Austanian View Post
    VTSAX is the market. It is as diversified as possible (For US businesses). Even though it is just one.

    If you have the mental tools and training you can get extra return by picking certain sector index funds over just picking "total market". However, you skipped over my post that explained what I do which seems to indicate you didn't understand what I said.

    The fundamental goal of investing is to get the most amount of return at a given risk level. There is no pie chart with percentages. At any given time the ideal percentage would be different. Either copy and paste a generic strategy, pay someone to do it for you, or learn.
    yea , you threw some words in there that i didnt understand...i guess i need to get learning!

    essentially I want to have a portfolio that is mainly built on index funds so I see a steady 10% growth rate with minimal risk.

    i guess i was wondering if its better to invest in index funds with a high dividend yield or index funds with lower dividends but more likely to see growth
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    Originally Posted by VegasLifter26 View Post
    yea , you threw some words in there that i didnt understand...i guess i need to get learning!

    essentially I want to have a portfolio that is mainly built on index funds so I see a steady 10% growth rate with minimal risk.

    i guess i was wondering if its better to invest in index funds with a high dividend yield or index funds with lower dividends but more likely to see growth
    Just go total market with a reinvested dividend. Closest and cheapest option to get what you want.

    VTSAX will work. That isn't to say there isn't risk, but that risk is inline with the market as a whole. You don't have to worry about amazon turning into sears.
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    Future CEO 10k/day BredRoller's Avatar
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    Originally Posted by VegasLifter26 View Post
    yea i dun goofed not investing earlier but hey its never too late right?

    btw for you guys recomending funds such as vstax...do you put all your money in 1 fund or do u split it among seversal index funds?

    also what % should be allocated towards individual stocks/ high risk investments..ive heard 10 -20 %

    basiclaly if someone could devise a pie chart for a portfolio that would be great such as (40% dividend funds 40% growth index funds 20% individual stocks)
    I opted for Fidelity over Vanguard because my work uses them for 401k. It worked out nicely because now for my taxable stuff, they offer 0% fee funds (FZILX - International total market, FZROX - US Total Market-vtsax equivalent). I had planned to go the VTSAX route but 0% fee is greater than low fee index funds, imo, with the exact same returns it seems.

    And yes, I just do 1-2 funds, the ones I just listed above. But I could do just the US total market and not care, personally. At your age I would just do 1 (2 max if you want to do international I guess). No need to fuk with dividend stocks or bonds.
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    Originally Posted by BredRoller View Post
    I opted for Fidelity over Vanguard because my work uses them for 401k. It worked out nicely because now for my taxable stuff, they offer 0% fee funds (FZILX - International total market, FZROX - US Total Market-vtsax equivalent). I had planned to go the VTSAX route but 0% fee is greater than low fee index funds, imo, with the exact same returns it seems.

    And yes, I just do 1-2 funds, the ones I just listed above. But I could do just the US total market and not care, personally. At your age I would just do 1 (2 max if you want to do international I guess). No need to fuk with dividend stocks or bonds.
    i have around 6 etfs ..i want to be in some mid cap and value funds to maintain diversification(they pay a good dividend btw)

    so right now i am in - SWPPX, VOO, IJJ, NOBL, VTV, and SPYD.

    I also have about 10k in 3 high dividend stocks- (Home Depot, Verizon, and Altria Group)
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    Future CEO 10k/day BredRoller's Avatar
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    Originally Posted by VegasLifter26 View Post
    i have around 6 etfs ..i want to be in some mid cap and value funds to maintain diversification(they pay a good dividend btw)

    so right now i am in - SWPPX, VOO, IJJ, NOBL, VTV, and SPYD.

    I also have about 10k in 3 high dividend stocks- (Home Depot, Verizon, and Altria Group)
    Nice, that's good. I had a bunch of the dividend stocks for similar reasons but for me now the 1-2 funds is so much easier and is the ultimate form of diversification, lol. But sounds like you know what you're doing.

    Made a ton of money on VZ when I was like 18... I started invested in dividend stocks in 08 and 09. So I initially lost a ton of money, but kept investing. Realized some srs gains in 2012 thanks to just randomly starting to buy during a recession lmao. Anyway, VZ is a solid stock.
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