#how to invest

[bitchesgetriches]

Hi! I fully do not understand investing, but I’m going to follow the directions you and others give about IRA investments. The one thing that I totally do not grasp is the allocating the funs into an index. Isnt there a scenerio where the index loses money and by retirement age you check it out and it went completely under or something?

Hey kiddo! And welcome to the wide world of investing. You're on the right track by starting an IRA for your retirement.

Yes, there are people who lose money by investing their retirement fund. This happens when they retire at the same time a recession or stock market crash happens. And it's fucking unlucky timing.

If you invest $100, and the market falls to the point that it's worth $80, you will lose money if you pull your money out when it's worth $80. But after the fall, when the market recovers so your original investment is worth $120, and THEN you pull your money out... you will have made money!

In other words, timing matters. We explain exactly how this works here:

Wait... Did I Just Lose All My Money Investing in the Stock Market?

Now to address the second part of your question. You can avoid the risk of losing money by regularly adjusting your allocation. When you're young and many years from retirement, you can allocate your portfolio aggressively into higher-risk investments. Who cares if you lose money in the short term? As we explain in the link above, you don't actually LOSE the money until you take the money out of the stock market.

But as you get older and nearer to retirement, you want to lock in your gains by moving your money from high-risk investments like stocks to safer investments like bonds. That way when you get within a few years of retirement, you can kind of "protect" your investments from being overly affected by market fluctuations.

In other words: allocation is not a one-time activity. We explain this more here:

Investing Deathmatch: Stocks vs. Bonds 

This was a big oversimplification, but we go into detail about all of this here:

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds 

If you liked this article, join our Patreon!

[digitalguap]

7 Reasons to Create Cash Flow with the Stock Market

Seven reasons to use and create cash Flow with the stock market Have you ever thought about retiring and Not having to worry about money anymore Most people consider retirement as the Time when they no longer have to work However for some retirements may never Come due to a lack of savings or their Savings being too small due to inflation Using cash flow to retire is an Alternative that grows…

[goodmoneyme]

How To Invest In Stocks For Beginners With Little Money Having little money should not stop you from reaching your financial goals and learning how to successfully invest in stocks. Investing in stocks can be a great way to grow your wealth and earn passive income, but it can be hard to overcome the fear of losing money if you don’t have a lot of cash on hand.

[jade-eclipse-li]

Momo Yaoyorozu:

In my family, we always drinks Harrod’s or Wedgwood!

Every other not rich kids:

It’s like she casually slapped me with the huge difference in how we were born.

Fumikage Tokoyami:

My family prefers Gold Tips Imperial.

Momo Yaoyorozu:

I like that too! Does your family often drink black tea? What kinds of it?

Fumikage Tokoyami:

Yes, we do. And the kind of it depends on the importance of the mission as they can treat the mission better.

Momo Yaoyorozu:

I would like to meet your family to associate more about black tea, Tokoyami-kun!

Fumikage Tokoyami:

No problem.

Everyone:

What just happened??

Shoto Todoroki: *rich kid*

We should start a club.

Tenya Iida: *rich kid*

No idea what you’re talking about.

[unchartedthelostlegacy]

i love graffiti. "comics and jazz are the only american art forms" you forgot graffiti. did you remember graffiti? That art form birthed in Philly and NYC in the early 70s by poor Black kids. that art form that spread all over the world and influenced so many. that's used without irony in commercials when they're trying to appeal to a "young urban" customer.

did you forget graffiti? that racism broken windows theory victim? that reach the establishment takes claiming that it's exclusively violent gang members throwing up those full-color pieces and wildstyle tags in the middle of the night outsmarting fifty security cameras because the billboard was ugly anyway. as if, even if it was, it wouldn't be impressive as all hell. risking brutality and fall damage so your art can occupy the space a gentrified condo named something like "Coluumna" took away from you. proving that despite only assholes affording to live here anymore there's still a soul beneath it. an animal with dripping stripes and teeth that go clack-clack tsssss

[gibbearish]

love when ppl defend the aggressive monetization of the internet with "what, do you just expect it to be free and them not make a profit???" like. yeah that would be really nice actually i would love that:)! thanks for asking

[personalfinanceandinvesting]

Why 2024 is Your Best Chance for Wealth and Success

[starbrandon1]

How to Make Money While Sleeping

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Investing for Beginners

Fundamentals of investing:

What’s the REAL Rate of Return on the Stock Market?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Dark Magic of Financial Horcruxes: How and Why to Diversify Your Assets

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Booms, Busts, Bubbles, and Beanie Babies: How Economic Cycles Work

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch series:

Investing Deathmatch: Managed Funds vs. Index Funds 

Investing Deathmatch: Traditional IRA vs. Roth IRA 

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Stocks vs. Bonds 

Investing Deathmatch: Timing the Market vs. Time IN the Market

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market 

Investing Deathmatch: What Happens in a Bull Market vs. a Bear Market 

Now that we’ve covered the basics, are you ready to invest but don’t know where to begin? We recommend starting small with micro-investing through our partner Acorns. They’ll round up your purchases to the nearest dollar and invest the change in a nicely diversified portfolio of stocks, bonds, and ETFs. Easy as eating pancakes:

Start saving small with Acorns

Alternative investments:

Small Business Investing: A Kinder, Gentler Alternative to the Stock Market 

Bullshit Reasons Not to Buy a House: Refuted

Investing in Cryptocurrency is Bad and Stupid

So I Got Chickens, Part 1: Return on Investment

Twelve Reasons Senior Pets Are an Awesome Investment 

How To Save for Retirement When You Make Less Than $30,000 a Year

Understanding the stock market:

Ask the Bitches Pandemic Lightning Round: “Did Congress Really Give $1.5 Trillion to Wall Street?”

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?” 

Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Wait… Did I Just Lose All My Money Investing in the Stock Market?

Season 4, Episode 1: “Index Funds Include Unethical Companies. Can I Still Invest in Them, or Does That Make Me a Monster?” 

Retirement plans:

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over

How to Painlessly Run the Gauntlet of a 401k Rollover

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

Workplace Benefits and Other Cool Side Effects of Employment

You Need to Talk to Your Parents About Their Retirement Plan

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?” 

Got a retirement plan already? How about three or four? Have you been leaving a trail of abandoned 401(k)s behind you at every employer you quit? Did we just become best friends? Because that was literally my story until recently. Our partner Capitalize will help you quickly and painlessly get through a 401(k) rollover:

Roll over your retirement fund with Capitalize

Recessions:

Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”

There’s a Storm a’Comin’: What We Know About the Next Recession

Ask the Bitches: How Do I Prepare for a Recession?

A Brief History of the 2008 Crash and Recession: We Were All So Fucked

Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”

[digitalguap]

France & China in Business Together? - Robert Kiyosaki and Andy Schectman

Hello Robert Kiyosaki this is more than The good news and bad news about money This is the emergency podcast number Four And we had one two three and now four so Please go through one two three and four Because it's getting worse and the Better prepared you are You know the like we said the last the Last number three was about if you're Prepared the problem is not that you're Prepared the problem…

[masryno]

Do you want to be an investor? Learn to invest

How to learn to invest  Introduction Investments are a way to grow your money over time. Investments can be in the form of stocks, bonds, mutual funds, real estate, or any other form of assets. Learning to invest is an important skill that can help you achieve your financial goals. There are many different ways to learn investing, including How to learn to invest reading: There are many books…