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30-Dec-2019 02:38
It’s an average person’s game, with better than average results over time (and by “average” I mean compared to most of those day traders and probably your friends).There are, however, downsides to this VTSAX strategy, specifically you’re not invested in bonds or international markets at all.No more fancy stock picking, no more weird strategies of picking out my favorite companies, just plain ol’ “you make money when the overall stock market makes money, and you’ll lose money when the overall market loses money.” (Which is when you pick up even MORE shares, btw! And if you believe in the markets all around, as I do, then why not cast a wider net around it? Who recently turned heads when he shared that he wants his own estate to go almost entirely to index funds once he’s outta here. I called up my stock broker friend to get his advice on this too, and he just laughed at me. ), I was in it to win it ;) And according to everything I’ve read, statistically the odds are in your favor going this route than others long term anyways.Here’s a graph on how the Dow has performed over the past 100 years, even though it needs to be updated (we’re now hovering around the 17,000 mark): If you think it’ll continue going up in the long term, then you might like Indexing :) It certainly has its fair share of supporters not only from the personal finance blogger world, but also Vanguard itself (d’uh – they INVENTED index funds! Even my stock friend gets it wrong and he spends 60 hours a week researching this stuff! To put things in perspective, here are all the stocks I used to own as of a month ago.
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The expense ratio is a tad bit higher @ 0.17% (still drastically better than 87% of the competition) but the stocks you hold here are exactly the same) Now it may look dumb/scary to “have all your eggs in one basket” here – which was my first concern – but the reality is it isn’t just one stock.) but I do want to make a fair amount over time and I’m totally fine being patient and waiting for it. I’ll gladly take 80% of a total 100% amount of money for minimal effort vs 90-100% and killing myself to get it.Which of course is never guaranteed since we all know you can’t time the market anyways (you do know you can’t time the market, right? So after all my reading and thinking, I came to the conclusion that it’s all about INDEX funds for me. I told him luckily I wasn’t in it to have fun (even though “fun” is in index FUNds – zing!If any one of them die out at any time, it doesn’t kill your money.
But on the flip side, it doesn’t grow your money as fast either like, say, if one of them takes off like Apple.
UPDATE: It also has a dividend of 1.84% – forgot to mention that earlier (hat tip to “Whiskey”).
