Who the frick doesn't put their retirement in funds or something like VOO? What kind of stupid fricking mutant ugly r-slur who smells bad puts 90% of their retirement in standard stocks?
Not for 99% of the population who could never hope to outcompete a cheap-as-shit Fidelity or Blackrock ETF especially when they get charged a 2-4bps per-instrument spread to rebalance. The only reason to stockpick is if you want to larp as Jordan Belfort while working as a walmart shelf stacker at age 32
Oh I agree 100%. I started off buying individual stocks but I gave up because it was too much work and switched to index funds. Just looking at this post you can tell pizza is one of those 99%. What he's doing is basically just gambling.
looks like a target date retirement fund. i'm not smart enough to know anything about the individual funds in question, but i personally think 25% in bonds is high, unless maybe you're in your 40s or something. but you're posting here so i doubt it. everybody has different risk tolerance though and if you're really risk averse it's not really a wrong choice
you can begin taking your social security payments starting age 62. you must take them starting age 70.
the amount you get paid is scaled - the longer you wait before taking them, the more money per month you get. They do this w/ actuarial tables. If you know for a fact you're unhealthy (chain smoker, alcoholic, whatever) then you should usually take them early to max out how much you take before you die. If you know you're healthier than average then you should generally delay it to 70.
edit: medicare kicks in at age 65 as well which is arguably more important than social security these days, since marketplace plans for 64-year-olds are expensive af (old people be gettin sick)
While it's true that old people tend to cost more, they also tend to not live terribly long after age 65.
Another huge issue w/ medicare for all though is that medicare is basically a form of price fixing - they determine what they're willing to pay for various services/operations and they won't pay more. Private insurers pay more. Some doctors prefer medicare patients because medicare is more straightforward and fast with their repayments, but they also pay less. Realistically if doctors only got paid what medicare pays for all operations, they'd all need to take a substantial pay cut.
SpookyDogHee/Hee
Michael Jackson Fan Club
1mo ago#7758626
spent 0 currency on pings
I don't know your exact age but I do know you have at least 30 years before you retire. What the frick are you even talking about? You should probably be in almost all equity (I don't know your exact situation) and let that 401k fricking rip dude.
Your time horizon is so fricking far away this volatility is good for you. If shit drops for four years, like you're implying, that just means you're investing for cheaper and getting a better deal. If shit drops you should be doubling down on throwing money into the market.
Holy frick why anyone sub 60 years old is this concerned about the market just shows how illiterate the general population is on the subject.
No sexualizing minors, even as a joke. This includes cartoons.
No doxxing.
Using alts to game dramacoin will get you banned.
If you post screenshots of publicly-available content, make sure to also include links.
Supporting free speech is an immediate ban.
Absolutely NO anti-CCP sentiment.
Absolutely NO homophobia, transphobia or furphobia.
Absolutely NO misgendering.
Absolutely NO antisemitism.
Absolutely NO vaccine misinformation.
You are encouraged to post drama you are involved in.
You are encouraged to brigade in bad faith.
You are encouraged to gaslight, to gatekeep, above all else, to girlboss.
You are encouraged to egg people on to transition or otherwise make drastic life changes.
This site is a janny playground, participation implies enthusiastic consent to being janny abused by unstable alcoholic bullies who have nothing better to do than banning you for any reason or no reason whatsoever (MODS = GODS)
Jump in the discussion.
No email address required.
But the SPX is up 6% since the election? Hmm
If I didn't know any better I'd say you were some kind of r-slurred cute twink 
Jump in the discussion.
No email address required.
Pizzas 401k is 98% nvidia
Jump in the discussion.
No email address required.
LMAO it's only lost, what 11% and he's Pink Wojaking
about Drumpf hahaha holy shit he didn't even buy calls
Jump in the discussion.
No email address required.
Who the frick doesn't put their retirement in funds or something like VOO? What kind of stupid fricking mutant ugly r-slur who smells bad puts 90% of their retirement in standard stocks?
Jump in the discussion.
No email address required.
It's fine to do that but you have to diversify. No single stock should make up more than 5-10% of your portfolio.
Jump in the discussion.
No email address required.
Imagine not throwing >50% of your portfolio at nano cap biotech firms ngmi
Jump in the discussion.
No email address required.
More options
Context
Not for 99% of the population who could never hope to outcompete a cheap-as-shit Fidelity or Blackrock ETF especially when they get charged a 2-4bps per-instrument spread to rebalance. The only reason to stockpick is if you want to larp as Jordan Belfort while working as a walmart shelf stacker at age 32
Jump in the discussion.
No email address required.
Oh I agree 100%. I started off buying individual stocks but I gave up because it was too much work and switched to index funds. Just looking at this post you can tell pizza is one of those 99%. What he's doing is basically just gambling.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
Lol
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
I don't know stuff about things, is this an acceptable mix?
Jump in the discussion.
No email address required.
looks like a target date retirement fund. i'm not smart enough to know anything about the individual funds in question, but i personally think 25% in bonds is high, unless maybe you're in your 40s or something. but you're posting here so i doubt it. everybody has different risk tolerance though and if you're really risk averse it's not really a wrong choice
here's a forum of people smarter than me talking about how much bonds they want
Jump in the discussion.
No email address required.
It probably is a target date thing. I'm mid 30s and sick of everything
Jump in the discussion.
No email address required.
More options
Context
More options
Context
It's decent but the more diversity the better, if this is all you invest in I'd spread it around more
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
Some of the monkeys on this site are just smart enough to know economy is an important word.
And the more you use it, the better your argument
Jump in the discussion.
No email address required.
Please do not use the word 'monkey' in a derogatory sense during Donkey Kong December. I WILL ping jannies and you WILL be banned for Kongmisia.
Jump in the discussion.
No email address required.
But Kong is a superior ape and monkeys (like
@Holly_Jolly_Kong) are inferior life forms.
So it's actually a more relevant insult during DKD
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
(he doesn't know)
Jump in the discussion.
No email address required.
Big ol titties
Jump in the discussion.
No email address required.
More options
Context
boner
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
Post your 401k
Jump in the discussion.
No email address required.
Jump in the discussion.
No email address required.
Jump in the discussion.
No email address required.
I just want fresh drama, not last week's reheated leftovers
Jump in the discussion.
No email address required.
Good drama-baiting is like boiling a frog. It must be done slowly and gradually
Jump in the discussion.
No email address required.
More options
Context
Metashit is the meat and potatoes of the site
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
Jump in the discussion.
No email address required.
More options
Context
More options
Context
That's your daddy's trust fund, not a 401k.
Jump in the discussion.
No email address required.
More options
Context
I would be pissed off if that was in a 401k. Idgaf about being a decamillionaire when I'm 65
Jump in the discussion.
No email address required.
Age 65 is required to withdraw funds from an HSA (that are NOT for qualified medical expenses).
Jump in the discussion.
No email address required.
I see
That's still like a million years from now though, I am NOT thinking about it 
Jump in the discussion.
No email address required.
More options
Context
67 is the social security age for zoomers right.
Jump in the discussion.
No email address required.
you can begin taking your social security payments starting age 62. you must take them starting age 70.
the amount you get paid is scaled - the longer you wait before taking them, the more money per month you get. They do this w/ actuarial tables. If you know for a fact you're unhealthy (chain smoker, alcoholic, whatever) then you should usually take them early to max out how much you take before you die. If you know you're healthier than average then you should generally delay it to 70.
edit: medicare kicks in at age 65 as well which is arguably more important than social security these days, since marketplace plans for 64-year-olds are expensive af (old people be gettin sick)
Jump in the discussion.
No email address required.
Wasn't that a critique of Medicare for All?
Medicare already absorbs the bulk of medical expenses as it stands, unless you're an unusual person you'll probably be healthy after 16 or so.
Jump in the discussion.
No email address required.
While it's true that old people tend to cost more, they also tend to not live terribly long after age 65.
Another huge issue w/ medicare for all though is that medicare is basically a form of price fixing - they determine what they're willing to pay for various services/operations and they won't pay more. Private insurers pay more. Some doctors prefer medicare patients because medicare is more straightforward and fast with their repayments, but they also pay less. Realistically if doctors only got paid what medicare pays for all operations, they'd all need to take a substantial pay cut.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
I knew before I opened the comments you'd be in here. Congrats on being the top pizzashill reply guy
Jump in the discussion.
No email address required.
More options
Context
fyi the fidelity website doesn't show that "Balances" tab for 401k's
lmao like why larp about this bb
Jump in the discussion.
No email address required.
I didn't say it was a 401k
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
my 401k is almost entirely S&P500 index funds, its doing fine in the 3 weeks since trump got inaugurated
eta: dont you have really big NVIDIA position? Trump didnt cause them to get cuked by another AI company and lose 20% lmao
Jump in the discussion.
No email address required.
I think that's how mine is too, whatever the default is i set back in 2010.
Took too long to install, all i saw was vanguard and stuff
Jump in the discussion.
No email address required.
More options
Context
He did cause them to release the 5000 gpus early with a lack of supply to duck the tariffs though
I bet he's the reason they suck too.
Jump in the discussion.
No email address required.
As much as im getting cucked by not being able to get a 5090, nvidia's gaming division is pretty irrelevant to their stock price nowadays
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
This is maybe the stupidest thing you've ever said holy shit.
Jump in the discussion.
No email address required.
More options
Context
Bidenflation +300% everything
Trumpflation literally 0%
Jump in the discussion.
No email address required.
More options
Context
S&P, Dow, and NASDAQ are all up or where they were in 1 year ago, and where they were in November.
Jump in the discussion.
No email address required.
More options
Context
I don't know your exact age but I do know you have at least 30 years before you retire. What the frick are you even talking about? You should probably be in almost all equity (I don't know your exact situation) and let that 401k fricking rip dude.
Your time horizon is so fricking far away this volatility is good for you. If shit drops for four years, like you're implying, that just means you're investing for cheaper and getting a better deal. If shit drops you should be doubling down on throwing money into the market.
Holy frick why anyone sub 60 years old is this concerned about the market just shows how illiterate the general population is on the subject.
Jump in the discussion.
No email address required.
More options
Context
Write covered calls against your nvidia shares or stop whinging ab minor fluctuations in a longterm hold the market is doing great
Jump in the discussion.
No email address required.
More options
Context
Checking the balance of ones long-term investments more than once or twice a decade is dorky and juvenile.
Jump in the discussion.
No email address required.
More options
Context
Why? Is your portfolio down to 5000 from 5250?
Jump in the discussion.
No email address required.
Ya for sure.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
I love my slice
I forgot to sell Boeing though, frick.
Jump in the discussion.
No email address required.
This is so pathetic it makes me hate capitalism to a degree I have never imagined possible before.
Jump in the discussion.
No email address required.
Stay mad busy boi
Jump in the discussion.
No email address required.
I don't have enough money to be a capitalist
Jump in the discussion.
No email address required.
You can literally start with a dollar if you're that bad
Jump in the discussion.
No email address required.
I can't even start to lose money that way. My capital is all in my butthole.
Jump in the discussion.
No email address required.
Well then, seize the means of production, cumrade
Jump in the discussion.
No email address required.
You can't put this kind of value where I put my money.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
Neighbor nothing happened to your 401k in the past two weeks.
Jump in the discussion.
No email address required.
More options
Context
Jump in the discussion.
No email address required.
More options
Context
Jump in the discussion.
No email address required.
More options
Context