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Old 12-28-2017, 09:13 AM   #1
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Only 54% Own Stocks/Mutual Funds

Lot of folks missing out.

https://www.usatoday.com/story/money...all/966663001/
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Old 12-28-2017, 09:47 AM   #2
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I only have stock in one company, and it hasn't done much. lol
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Old 12-28-2017, 09:59 AM   #3
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Index funds are where it's at
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Old 12-28-2017, 10:27 AM   #4
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Index funds are where it's at
Yup, that's a type of mutual fund
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Old 12-28-2017, 10:34 AM   #5
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Yup, that's a type of mutual fund
That really depends on whether you're defining the term "mutual fund" based on the colloquial usage or whether you're defining it based on the individual definitions of the words "mutual" and "fund". I feel like it's safe to assume that most people do the former, in which case index funds are not consider mutual funds because they passively track an index rather than being actively managed by someone who demands a significant cut. Statistically speaking, you are more likely to do better in the long run if you keep your money in index funds.
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Old 12-28-2017, 10:40 AM   #6
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That really depends on whether you're defining the term "mutual fund" based on the colloquial usage or whether you're defining it based on the individual definitions of the words "mutual" and "fund". I feel like it's safe to assume that most people do the former, in which case index funds are not consider mutual funds because they passively track an index rather than being actively managed by someone who demands a significant cut. Statistically speaking, you are more likely to do better in the long run if you keep your money in index funds.
They're still managed because a manager buys stocks that correspond with a major market index such as the S&P 500 or the Dow Jones Industrial Average and they're categorized as a mutual fund. Index funds have fewer expenses.
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Old 12-28-2017, 10:46 AM   #7
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They're still managed because a manager buys stocks that correspond with a major market index such as the S&P 500 or the Dow Jones Industrial Average and they're categorized as a mutual fund. Index funds have fewer expenses.
Yeah but the difference is they're not actively managed, as I said. Yes they're not ETFs where you're doing it yourself and going through a broker. But when people say mutual fund, they generally mean actively managed and when they say index fund, they don't. Lumping index funds into the term "mutual fund" is needlessly pedantic and unhelpful given their distinct differences.
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Old 12-28-2017, 10:48 AM   #8
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It's like if you made a post about 50% of Americans drinking wine and I said "Cabernet is where it's at" and you came back and said "yup, that's a type of wine". What good does that comment do?
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Old 12-28-2017, 10:49 AM   #9
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Yeah but the difference is they're not actively managed, as I said. Yes they're not ETFs where you're doing it yourself and going through a broker. But when people say mutual fund, they generally mean actively managed and when they say index fund, they don't. Lumping index funds into the term "mutual fund" is needlessly pedantic and unhelpful given their distinct differences.
Those "people" don't understand that there are many types of mutual funds including Index Funds.
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Old 12-28-2017, 10:51 AM   #10
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It's like if you made a post about 50% of Americans drinking wine and I said "Cabernet is where it's at" and you came back and said "yup, that's a type of wine". What good does that comment do?
Depends on if you come up with some BS about Cabernet is not really a wine
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Old 12-28-2017, 10:55 AM   #11
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Depends on if you come up with some BS about Cabernet is not really a wine
No, it doesn't. The comment is useless in any kind if intellectual capacity. If you want to make the case that the comment is useful for entertainment purposes, so be it
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Old 12-28-2017, 10:58 AM   #12
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No, it doesn't. The comment is useless in any kind if intellectual capacity. If you want to make the case that the comment is useful for entertainment purposes, so be it
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That really depends on whether you're defining the term "mutual fund" based on the colloquial usage or whether you're defining it based on the individual definitions of the words "mutual" and "fund".
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Old 12-28-2017, 03:58 PM   #13
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most major sector INDEX FUNDS would have outperformed the best MUTUAL FUNDS during this recent dow jones spike
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Old 12-28-2017, 04:15 PM   #14
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most major sector INDEX FUNDS would have outperformed the best MUTUAL FUNDS during this recent dow jones spike
Are you saying that an index fund isn't a mutual fund? REEEEEEEE
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Old 12-28-2017, 04:53 PM   #15
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I need to up my financial game in the market, anyone looking at any potential honeypots for 2018?
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Old 12-28-2017, 05:55 PM   #16
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I need to up my financial game in the market, anyone looking at any potential honeypots for 2018?
Crypto?
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Old 12-28-2017, 06:17 PM   #17
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Old 12-28-2017, 06:31 PM   #18
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I know you can make money in the market but I trust real estate more
I get a steady 10 to15%return and i also get appreciation on the property
http://awealthofcommonsense.com/2016...arket-returns/

TLDR; 10% average annual return is very mediocre. In periods where the market is good, you can easily see closer to 15-20% by tracking a major index. Even over long periods of time (in this case, 30 years), catastrophic events like the great depression are averaged out to no less than ~8% annually. Meanwhile if a depression hits and all your holdings are in real estate I think you could really lose your . Not saying real estate is bad. I'm interested in it purely because I think it's more engaging than chucking my money at an index fund. But I'm skeptical that returns of 10-15% in real estate in a very positive market are sufficient...
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Old 12-28-2017, 07:32 PM   #19
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I need to up my financial game in the market, anyone looking at any potential honeypots for 2018?
I was an emotional investor and many of my trades went directly against what I knew to be sound decision making so this year I decided to hand my portfolio to Vanguard's Personal Advisor services. Since doing that in September my investments are up about 12%. I got tired of trying to guess the market and buying/selling at the wrong times so I handed them the keys. I still manage my 401k separately as well as keeping some play money in an account with Robinhood so I can feel actively involved. I just picked up some GE, probably not the best choice but I expect to see a 25% over the next 1-2 years and I trust their core business.
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nothing goes unmoderated....
"And so, this tiny metal deathtrap becomes known as the ultimate form of freedom. Like a steampunk cyborg, man and machine fuse to make a symbol of what you can become when style and speed matter more than safety and efficiency. Is it any wonder that some people just get mad every time they see a motorcycle go by? Because it challenges everything they have, while proving to them that they donít have enough."
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Old 12-29-2017, 06:01 AM   #20
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Are you saying that an index fund isn't a mutual fund? REEEEEEEE
Only you would say that
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