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Old 06-27-2016, 11:23 AM  
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Investing megathread extravaganza
A place to talk about investing stuff.
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Old 11-15-2021, 09:02 PM   #11716
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That's very interesting. And it looks like you can sell any time and the only penalty is the previous 3 months of interest.

I don't know much about this. Hopefully someone else can chime in.
Yeah, that's the thing. From what I'm reading as long as you make a one-year commitment it's pretty liquid after that. You're not going to get rich off of it given the interest and purchase limits, but it's looking to me like a great place to park some money as a hedge against a stock pullback, and make a much better return than putting it into some cash account. Other than just opportunity cost if you're in an aggressive investing mode, I don't see a downside.
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Old 11-15-2021, 09:09 PM   #11717
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Let's spin this off. What is rich?

They recommend the following being saved based on age, ending at 10x your salary by retirement.

Aim to save at least 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67.

I am shooting to have at least 20x my salary by 65. It's not easy though. We live pretty frugally for most things given that we only have my income and we are saving 20-25% of our income each year into investments.



https://www.fidelity.com/viewpoints/...need-to-retire


And you actually need less money saved if you work until you're older in life. So many people think they can retire early, but don't realize they need MORE capital to start with because their drawdown period will be so much longer.

https://www.canstar.com.au/superannu...-super-retire/

I've run the numbers for myself, and while they're not completely generalizable due to some unique things to my household (e.g., my assets in IRA versus investment accounts), I concluded that I need about 20 times my salary to maintain my standard of living to age 99 without tapping into home equity. This assumes 3.2 percent inflation and investment returns in roughly the 4.5 percent range annually. So 20 times your salary isn't rich, but it'll give you a good likelihood of retiring with no financial compromises.
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Last edited by Rain Man; 11-15-2021 at 10:24 PM.. Reason: I typed 'time', not 'times'. I'm so embarrassed.
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Old 11-15-2021, 09:12 PM   #11718
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I've run the numbers for myself, and while they're not completely generalizable due to some unique things to my household (e.g., my assets in IRA versus investment accounts), I concluded that I need about 20 time my salary to maintain my standard of living to age 99 without tapping into home equity. This assumes 3.2 percent inflation and investment returns in roughly the 4.5 percent range annually. So 20 times your salary isn't rich, but it'll give you a good likelihood of retiring with no financial compromises.
You are exactly on point. That's why 20x is my goal too. It will allow me to live a comfortable life without a worry for money if I live into my 90's.

This may not be "rich" by certain standards, but living stress free financially for decades is pretty fulfilling.

Good job, Rainman.
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Old 11-16-2021, 01:07 PM   #11719
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Series I bonds are probably one of the only "safe" places for money currently. I think they're a pretty good deal if you can withstand the 1 year holding req.

I guess the other downside is no fixed rate, right now. They were pretty stingy with that fixed rate portion even when the fed raised rates a few years back. I think I got some w/ .5% fixed. woo!
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Old 11-16-2021, 01:20 PM   #11720
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Series I bonds are probably one of the only "safe" places for money currently. I think they're a pretty good deal if you can withstand the 1 year holding req.

I guess the other downside is no fixed rate, right now. They were pretty stingy with that fixed rate portion even when the fed raised rates a few years back. I think I got some w/ .5% fixed. woo!
Yeah, I think the fixed rate is 0 right now. So if inflation drops to 0, then the payment drops to 0 percent. But in that scenario you'd just sell the bonds and there'd effectively be no penalty for doing so and you'd still get the interest that's accrued at the 7.12 rate.

I'll do a little more due diligence, but at the moment I'm leaning toward maxing out on purchases for it.
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Old 11-16-2021, 02:18 PM   #11721
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is it time to take profit on LCID? damn
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Old 11-16-2021, 02:24 PM   #11722
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is it time to take profit on LCID? damn
If you're gonna sell use a trailing SL
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Old 11-16-2021, 02:28 PM   #11723
Hog's Gone Fishin Hog's Gone Fishin is offline
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Yeah, I think the fixed rate is 0 right now. So if inflation drops to 0, then the payment drops to 0 percent. But in that scenario you'd just sell the bonds and there'd effectively be no penalty for doing so and you'd still get the interest that's accrued at the 7.12 rate.

I'll do a little more due diligence, but at the moment I'm leaning toward maxing out on purchases for it.
Geez Rain, you're acting like you're 80 years old. You want to look back in a year at that Index fund you could have made 16% with or Netflix you could have made 40% with, or TSLA that will be sitting at $1500 a share.
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Old 11-16-2021, 02:31 PM   #11724
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Geez Rain, you're acting like you're 80 years old. You want to look back in a year at that Index fund you could have made 16% with or Netflix you could have made 40% with, or TSLA that will be sitting at $1500 a share.
Get off my lawn, ya dagnabbed whippersnapper.

But ... yeah, maybe. I still have the aggressive heart of an investing warrior, but I've run the numbers and a 3.5 percent post-retirement return buys me the life I want. So I want the lowest-stress way to make that 3.5 percent.
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Old 11-16-2021, 02:36 PM   #11725
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is it time to take profit on LCID? damn
Decide if you’d like to take profits on 25 or 50% of the position. One strategy is each day raise your stop loss on amount you plan to sell to low of previous day and just wait until you’re stopped out. This gives you best chance to catch most of a large vertical move without selling too early and missing more gains or selling too late and losing these gains.

I’ll give you an attaboy. Nice job making money on this.
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Old 11-16-2021, 02:38 PM   #11726
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Get off my lawn, ya dagnabbed whippersnapper.

But ... yeah, maybe. I still have the aggressive heart of an investing warrior, but I've run the numbers and a 3.5 percent post-retirement return buys me the life I want. So I want the lowest-stress way to make that 3.5 percent.
Your life will be boring as hell. I wake up every day eager to pull my Etrade account up and see what color it is ! IT MAKES ME FEEL ALIVE!!!! ALIVE I TELL YA!
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Old 11-16-2021, 02:57 PM   #11727
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Decide if you’d like to take profits on 25 or 50% of the position.
Already sold 33 shares a few weeks ago.

This is getting pumped hard at closing, I'm just going to hold thru the end of the week at least.

Fingers crossed.
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Old 11-16-2021, 03:00 PM   #11728
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Old 11-16-2021, 03:00 PM   #11729
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Already sold 33 shares a few weeks ago.

This is getting pumped hard at closing, I'm just going to hold thru the end of the week at least.

Fingers crossed.
I'm in a similar boat, trying to decide how I want to play it. There's going to be an inevitable pullback, but will it continue to grow in the grander scheme? The EV market is so difficult to predict.
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Old 11-16-2021, 03:02 PM   #11730
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Long and strong. No dump after closing.
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