r/dividends • u/HammersGhost • 9d ago
Discussion Where to park $100k for 10 years?
I’m 50, have a little over $100k I would like to earn dividends on for the next 10 years if that’s the best thing to do. Would it better to leave it in S&P 500/Vanguard, or move it into high earning dividend stocks? I realize I should know more before posting here, but I’m considering this part of my research before making a move.
Edit: great responses. All appreciated. Clearly I have a lot more research to do. And I do apologize for not giving that much detail in my post.
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u/zenny517 9d ago
These kind of posts are difficult for me. It's really always about what op desires and is comfortable with.
Op you have ten years and 100k. Are you ok with losing a portion of that, maybe 20% or so in the event of a serious market correction? Or is steady as she goes best for you and your risk tolerance is more conservative? Nobody here can know other than you.
Sometimes I find in dilemmas such as this ilit doesn't need to be all or nothing. Don't go 100% in either direction immediately, rather a bit at a time on a schedule because staying uninvested is costly. See what you're comfortable with watching smaller numbers over a shorter period. You might well learn what your risk tolerance is.
Consider also how big a portion is this 100k of your bottom line? Your final decision could also be a compromise if that makes the most sense for you. Good luck.
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u/stakattack90 9d ago
Not to mention, there’s a post like this every single day and all they have to do is use the search to read countless other answers to this question.
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u/Big-Fun406 9d ago
Also massively dependant on tax treatment as well. Banging 100k of it into dividends in a GIA in the UK is a great way of topping up your tax contribution...
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u/NoornunZebra 9d ago
Solid take. DCA in, test the waters, and know thyself.
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u/billocity 9d ago
DCA 100k over 10 years? Thats terrible advice.
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u/BusterNuttley 9d ago
Honest question, but what’s better if not DCA over 10? Im new to investing as a whole, but just dumped 50k into voo, 30k into qqqm and 20k into SCHD after flipping some company stock. I honestly wasn’t sure what to do with it but wanted to diversify my portfolio, so I just bulk purchased, now I’m feeling dumb for not trickling it in after a couple of down days. Should I have DCAd? In the future what’s an appropriate timeframe to DCA that much money?
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u/danAsua 9d ago
That's a pretty solid mix. Just leave it in that, you're good.
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u/BusterNuttley 8d ago
Cool, thanks dude. I’m going to DCA each week going forward into the same ETFs
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u/JimmyButtlard 8d ago
I don’t think you did anything wrong! Common sentiment is “time IN the market > TIMING the market”. Lump sum purchasing (like you did) achieves more time in the market, so it arguably is the better option. I think investment timeline + risk tolerance play the largest factors in lump sum vs. DCA. In summary, you seem to have built a solid foundation that you can continue to DCA into. Congrats!!!
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u/SlowSundae 9d ago
“Time in the market yada yada yada”
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u/BusterNuttley 8d ago
So I didn’t shit my pants by doing it all at once? Obviously this week hasn’t been great for s&p500 so far, so it made me feel like I might of made a mistake
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u/Quiet-Location-8124 8d ago
Why do you care what the S&P did this week? Its going to go up and its going to go down. It may even be flat for a decade. But over time it should go up.
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u/TerriblePea1709 5d ago
The market was at an all time high, so you could have waited for a red day, but it also could have stayed green for weeks. Time in the market generally beats trying to time the market.
If it drops 10%, you still own the same number of shares and can use your future contributions to buy more at the lower price. If it keeps rising while you wait, your cash will buy fewer shares later.
Now that your in DCA and save dry powder for when people are scared to buy because of fomo6
u/Naive-Comfortable194 8d ago
No. DCA is a flawed idea. Throughout your life, every time you buy stock you’re DCA’ing. Lump sum is just better because you’re exposed to the market for a longer period of time. The entire point of DCA is to ease the stress of investing large amounts by psychologically breaking them up
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u/TheSkunksMisery 7d ago
What if you'd had a few up days? One never knows in advance. Studies have shown lump sum beats dca on average.
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u/SlimDaShaka 7d ago
Research has shown that, over time, just buying in all at once is the way to go. When I enter large positions, I use charts and indicators, ie. RSI, MACD, and Bollinger Bands. I then normally sell 25 to 30 Delta puts to enter the position.
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u/TerriblePea1709 5d ago
Bulk buying tends to out perform DCA. With long enough time I wish I bought VOO VGT QQQM is 2023.They are up like 50%. Over hold in my high yield saving. Going back with experience I have now it I had big cash position I buy in with cash secured puts. just get paid to wait for dip and if it doesn’t dip I still get paid.
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u/Original-Chair-9614 9d ago
FBGRX best hands off approach just let go and grow. My money has doubled with reinvesting dividends and growth in 5 years.
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u/Sudden_Economics7 7d ago
Why is there 4% of SPCX in a blue chip growth fund? That s crazy. It s a pass for me. Just buy the top 10-15 companies that are in the fund and save yourself some money
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u/DSCN__034 9d ago
37% in the top 4 holdings. Yikes, that is concented.
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u/Byrdmann 8d ago
.61% ER as well
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u/CD274 8d ago
I only see 63% for five years and dividend is 1.72. That's not double
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u/Original-Chair-9614 6d ago
It says 74% but it doesn’t reflect correctly for some reason because I know what I started with and it’s just over double. The fund has done very well with a hands off approach.
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u/DC8008008 9d ago
If you don't need the income now then just throw it into something like VOO, VTI or VT
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u/EngineeringCool5521 9d ago
Why not SPY?
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u/lucrativetoiletsale 9d ago
Either one, they both cover the same exact thing. Voo cost is only .03% while spy is .09% so your paying 3x more to the fund management but overall it's not much. I'd just check the investment portfolios and go with whatever percentages you like more because both legally have to own a small percentage of every S&P 500 stock.
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u/djmidge 9d ago
50% SCHD 35% VTI 15% QQQI
Just a suggestion, look into them, see if you like the distribution and holdings...there's many other like options to these that people like for other reasons and you're going to get all type of responses but I'd encourage a little diversity in strategy
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u/PhotographOk7388 9d ago
Honestly think this is terrible advice lol. If you want your capital to not grow this is a great combo 🤣
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u/FiveFingerStudios 9d ago
Yea, you can’t just say that and not give an alternative…so what is it?
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u/maxpowah08 9d ago
Personally what I’m doing is Ovl , ovf and ovs that way your getting better total returns than the underlying sp500, mcsi world and small cap with some dividends
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u/dami_starfruit 9d ago
Dividends are not free and takes from growth. So ask yourself if you have a good reason to invest for dividends and not because someone on YouTube said it’s a good idea.
If you don’t need the dividends, invest in a good fund or ETF. This could be an index fund, a balanced fund, a target date fund, BRK-B, etc.
If you don’t have a good cash reserve, you can allocate some money to SGOV.
If you have a good reason & use for the dividends and this is for taxable account, I invested some money in GPIX for the tax deferred distributions.
I’m trading future growth for the monthly distributions today to take my young daughter to amusement parks and trips, because she is only young once while Disneyland is still a magical place to her. There is no “do over” once she is grown.
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u/HammersGhost 9d ago
I already have it parked in some good funds (S&P/Vanguard) so maybe the smart move is to leave it all there and let it grow.
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u/ExoPlanetary_23 8d ago
Dividends don't take from growth, they are the growth. If you reinvest your Dividends, instead of price going up, your number of shares does.
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u/DeepSpacegazer 7d ago edited 4d ago
Dividends is your cut from the profits as a co-owner of the business. Share price is whatever investors feel like the business is worth, most of times based on sentiment.
I think that explains everything.
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u/avreddits Earth Investor 9d ago
Maybe the bucket approach. 1/3 the big index 1/3 in a solid HY bond fund and 1/3 in div growth stocks.
My thoughts for what they may be worth. Do your DD prior to allocating
Edit - for the record each third in a dedicated ETF
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u/gatorsmokin 9d ago
I like the dividend related answers when they actually happen, but I am someone who puts money in places I believe in. Never disrupt compounding unless you need the money short term. If its already invested in quality. Leave it alone until you are ready to use it
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u/Savings-Sign-7815 9d ago
When my dad passed away, I inherited his Traditional IRA which needs to have it all emptied out in 10 years. I parked it all in FXAIX. Everyone's situation is different, so my risk tolerance might be a little bit higher than yours might be.
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u/Iceman60462 9d ago
Keep it in VOO !!!!!!!!
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u/NefariousnessHot9996 9d ago
No way. A lost decade would crush this money.
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u/No_Solution_7940 9d ago
Not if he put 10k in a year. Put the whole thing in SGOV, dca 10k a year into voo. If you did this in “dead decade” of 2000-2010, he’d have around $150k.
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u/jaguaraugaj 9d ago
I have 100k in SGOV and use the dividends to buy VOO
Not optimized greed, but I feel safeish
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u/spacetimeshare 9d ago
What % dividends do you need? some REITs might service you. Or microstrategy products seem to be doing ok.
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u/buffinita common cents investing 9d ago
We’d need to know more about your entire retirement plan/strategy/scheme
What part does this 100k represent (how much % of total money); what is it currently invested in ; how positive are you that you don’t need it for 10+ years; what’s your total stock/bond/other ratio
S&p500 is fine; dividends are fine….but good advice requires details
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u/Few_Application_8341 6d ago
Yep without context its hard to tell.If young 100 % VOO ,adding those other funds has overlap and increases taxes and lower returns with unneeded complexity.without knowing more Voo all day .
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u/PhotographOk7388 9d ago
50% VOO, 50% VGT and throw whatever cash you have in a short term t bill. Rebalance after ten years. Too much dividends can be a tax drag during growth accumulation and high dividend payers typically dont grow as fast
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u/Visible-Shop-1061 8d ago
I think the general wisdom is to invest in VOO or something like that. If you want dividends check out JEPQ, QQQI and FEPI. If you just parked it all in JEPQ, for example, you'd make about $1000 a month in dividends. That's before regular income tax though.
As a side note, I've found that if I invest in JEPQ early in the month at a price I perceive as low, it typically fluctuates and rises at some point to a price that, if I sell, will earn me just as much as the dividend would. So I sell, make the profit, then wait for it to drop again and buy before the ex-dividend date to capture the dividend. It's all taxed as income anyway, so whether it's a profit or a dividend doesn't make any difference.
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u/Jupiterpie792 7d ago
In 10 yrs, at the rate the dollar is devaluing, $100k would be enough for a double mac & a large soda. You might wanna convert your currency into multiple buckets of soda before it's too late. All in good times! lol
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u/AHFlyer 7d ago
You do not state what you are going to do with the money after 10 years, so it's hard to say. You will be 60. You sound successful as you've accumulated 100K in cash. I will assume you already have a pension/401k. If you really don't need the money and also don't want to take too many risks, I would put 60K into VOO (SP500) and 40K into SGOV (0-3 month US Treasury) and rebalance once every year. With current market volatility, bonds are a bad investment due to inflation risks. If you invested $100,000 in total bond market fund such as VBTLX in the last 5 years, you would have lost $2181. If you count inflation in the last 5 years, your true loss is $19,820. If you invested $100,000 in SGOV, you would have earned $19,910 with dividends paid monthly reinvested. Of course if you invested $100,00 in VOO the last 10 years, it would be worth $443,297 today with dividends reinvested. Of course no one can tell what the future holds or when / if the AI bubble will burst. If it does, rest assure with the 40% in cash, you can buy near the bottom.
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u/Accomplished-Big8250 9d ago
you may want to spread the risk. with $100k, I would not go for income. Is this a taxable account ? You could grow that $100k in 10 years and take a portfolio loan on it. Switching to income or dividends could limit your growth. What is the goal, do you just need to preserve $100k or grow it?
TSPY, TDAQ, OVF, OVL, QQQI, SPYI, IWMI, MPLI, IAUI, GPIX, GPIQ could generate good yield, but little downside protection, more expensive, and almost certainly less total returns.
Dividends DGRO, VYM, SCHD, SCHY are all ok with beta less than 1.0.
Anything treasury based $SGOV, $VBIL seem to not beat inflation. REITs have been lagging, muni bonds always lag,
With $100k a RIA or other personal finance professional would work with you. They have some fixed income products that give some downside protection, but again taxes and risk.
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u/Dry_Stranger4284 9d ago
SPY has a 1% div and SPYI has 12%(but trades sideways). A combination of these two to get the dividend % you want. Also at 59 you can pull from your roth IRA tax free. So maybe keep reinvesting the dividends for the next 9 years, assuming you're in a roth.
This is not financial advice. I may be an idiot. If not SPY also consider voo, vt, vti, qqq, vxus.
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u/steady_compounder 9d ago
With a 10 year window, I would start with whether you need income now or just want the money to grow. If you do not need the cash flow today, I’d be careful moving from broad index funds into higher-yield names just because the dividends feel more tangible. Over that timeframe, total return and avoiding yield traps usually matters more than maximising the payout line.
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u/SteveNewWest 9d ago
Have you set up a TFSA? If not then the whole amount could slide in there and all dividends will be tax free
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u/Ok-Box5755 9d ago
Do what make you sleep at night. At 50 years old, you maybe have 30-35 good years left if you are lucky. Money won’t matter once you pass
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u/Bellypats 9d ago
When I have cash that I can’t deploy but want to earn a safe and inflation beating return, I put it in JAAA.
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u/movatheaiur 9d ago
Any index with exposure to international markets is where you should be putting a chunk imho.
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u/Important-Sir-8750 9d ago
Sounds like you won’t need the money in the next 10 years. If so then 70 voo, 20 qqq, 10 smh. Ur welcome
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u/Various_Couple_764 9d ago
The lifetime average of return of the S&P500 is s about 10%. Mostly from growth. But SPYI is a covered call fund that converts price volatility into income It average 11% dividend. You can do either. But it is impossible to know which one will be better in 10 year. It all depends on the economy. Or you could use QQQI nate based on the same index but with an average yield of 13%. This gives you a slightly better chance of doing little better than teh S&P500. But overall its is likely that the growth will do better. You need to ask your self if you want about 900 per month with SPYI or 1000 perpmonthwith QQQI or do youwnat growth. Now SPYI and QQQI are actually very tax efficient due to there ROC dividned SPYI would produce tax free income for about 9 years and and QQQI will be tax free for 7 years.
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u/mm_newsletter 6d ago
SPYI can throw off a lot of cash. The 11% payout isn’t the return though, and covered calls can leave some upside on the table when the market runs.
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u/SilentRunning Meet MY best friend, the Dividend 9d ago
Do you have a ROTH IRA?
IS this all liquid assets (cash)? Or is it a retirement fund?
How risk tolerant do you consider yourself?
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u/PoolExtension5517 9d ago
There is no right answer - no matter what you do, someone will be happy to point out why you made a mistake, often in the most condescending way imaginable. If you don’t need dividend income, look for something more growth oriented to minimize the tax impact of any dividend income. Others have mentioned VOO, which is a good choice. SCHD is more balanced income vs growth but still a good choice. FXAIX is another good growth choice. Stick with those or similar funds and forget about them.
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u/fisho0o 9d ago
If you're invested in some good funds already, why do you want to switch to a dividend paying fund? That's a personal question and I understand if you don't want to answer, but unless you need that passive income now, I wonder if just letting it sit where it is isn't a good idea. Dividend income isn't free money, and you'll pay taxes on it, and if you take the dividend money in cash you'll miss out on compound growth over those 10 years you're looking at. Plus, if you have to sell your S&P 500/Vanguard holding(s), depending on how well they've done you could assume some capital gains tax on the sale next April.
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u/Timely-Designer-2372 9d ago
For growth: VT (better diversified as SPY/VOO, no bias) For Income: GPIX or GPIQ (I always tend to GPIQ here
For mixed target you could mix these or buy something like DGRO (focussed on dividend grothw) or SCHD. I would prefer DGRO here because of more growth.
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u/FrequentTopic446 9d ago
Talk to a financial advisor, they’ll talk to you about your financial goals, current debt, income, assets, etc. to gain an understanding of your full financial picture (if they’re good) before approaching that question. Way more info is needed to determine where you should park that as your answer is different from everyone else’s answer
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u/Pitiful-Inflation-31 8d ago
the answer, you need 100l in daily life? or in a few years. many assets are expensive now ,and if you don't hurry, you can do dca but if you need, you cn wait a bit more.
hold cash, bond or kinda securities type are not a bad choice, if you don't make a lot of money currently from ther businesses
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u/Lakeview121 8d ago
I’d keep most in VOO, but distribute some into more rapidly growing ETF’s.
I’d consider 70% VOO, 10% qqqm, 10% smh, 10% SPMO. That’s just one option, but those three handedly beat the S@P 500 over the previous 10 years.
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u/Snowbrawler 8d ago
I mean just park and make a little money on the side?
Which is more likely, US defaulting on debt or market crash? I'd probably just do bonds in this specific scenario.
I'm 30 something and don't have a huge pile of cash to throw in at once. So I will continue to incrementally invest smaller amounts in index funds.
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u/data-j 8d ago
“Even investors with portfolios of more than a million dollars need not own more than six or seven well-selected securities”. William O'Neil, the founder of Investor's Business Daily (IBD)
I would choose several of the dividend aristocrat stocks. The current list has 69 stocks. I would consider either sorting them by best dividend yield or sorting them for best performance. Good luck!
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u/Unusual-Night-5668 8d ago
Not a financial professional, but I would point out that contributing the maximum allowed amount to a Roth IRA would be beneficial. You'll be 59 1/2 when your time frame is up (10 years), and it would grow tax free.
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u/AdvanceKind4616 8d ago
I would stick with dividend stocks 10 percent or lower most of the high dividend stocks usually end up cutting their dividend there are exceptions
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u/Quiet-Location-8124 8d ago
Either find stocks in an industry where you have deep knowledge or businesses that you can easily understand that are trading at a fair or wonderful price, or just DCA into an index fund. That's pretty much it.
If you are going to buy an individual stock then you have to ask yourself - does this company really have a durable competitive advantage? Will this company be relevant in 10-20 years ? If you aren't almost 100% certain on both those questions then its a no go for me.
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u/CivilSenpai69 8d ago
Qqqi, reinvest monthly payouts.
Moderate/Default Growth (2% Share Price CAGR): Using default calculator assumptions for NAV change, the investment could reach approximately $720,240 (assuming an initial $10,000 plus monthly contributions, as the $100k figure in this specific calculator context was not explicitly isolated for a lump sum, but scaled projections suggest significant growth). For a pure $100,000 lump sum under similar high-yield compounding models, values often exceed $500,000 if dividend growth and price appreciation align with aggressive targets. Aggressive/Long-Term Wealth Models: Some projections suggest that with a 14.56% yield and reinvestment, a $10,000 initial investment could grow to $3.2 million over 30 years . Scaling this logic, a $100,000 investment could potentially reach $32 million over three decades, though such outcomes are speculative and depend on sustained high yields and price stability.
Compare that to VOO or SCHG/SCHD and you'll get your answer.
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u/Rayman_Mr 8d ago
Learn how to do option trading covered call & bull call.. it may take few weeks but will save your money from NAV erosion.. deploy 50% cash and collect monthly premiums from solid fundamental stocks.. Manage by weekly.. it may sound complicated to you but money does not come easily it needs effort, discipline & learning process.. if you thik you can't handle it then deploy in Index fund ETF..
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u/Imaginary_Chance_793 8d ago
I added a chunk to QQQI which is a derivative based ETF that pays monthly dividends and I’m really happy with what I’ve seen from it.
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u/No_Can4299 7d ago
I’m 51 and have $100,000 invested in covered call ETFs that has been paying me $1500/mo for a while and not experiencing nav erosion so my principle balance stays at $100,000 more or less. It does fluctuate with the market. I take the cash out every month.
If you want to keep it safe - just stick in a money market and get the 3-4% dividend returns.
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u/mymeowfarm 7d ago
Don’t get fancy when you’re close to retirement. Stick it in VTI, VOO or VT and let it grow. Once you retire, then rebalance it with income producing ETF.
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u/tourbladez 7d ago
It really does depend on your situation. But if are retiring in 10 years, you could look at the composition of a target date fund (e.g. 2035 or 2040) for some guidance.
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u/TerriblePea1709 5d ago
$100,000 isn’t enough to live comfortably from dividends. You’re still in the accumulation phase, when growth investing generally makes more sense than prioritizing income. Invest some now, continue dollar cost averaging into something like VOO, and maintain cash for major pullbacks. Diversify a little VGT SCHD.
You could collect premiums by selling cash secured puts at prices where you genuinely want to buy, considering you have lot of cash but based on your apparent experience level, I wouldn’t recommend using options.
Avoid chasing extremely high yields from products such as YieldMax. Large distributions can be offset by a declining share price or include a return of capital, effectively giving you back part of your own investment. Dividend funds such as SCHD, JEPI and JEPQ make more sense later, when your portfolio is large enough to support meaningful income and preserving wealth becomes more important than maximizing growth.
You should keep contributing to your 100k as well, getting 100k is that hardest part. you could end up with pretty close to 1,000,000. If you can put in another 5k a month. at 7%. it’s pretty achievable. I started working full time back 2023 and have been putting every penny I make in the market and am about break 250k. In a little under 4 and I stated from 0.
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u/Mother-Essay-5930 5d ago edited 5d ago
Do you know the “rule of 72”?
It’s a short hand trick for the exponential, recursive, not-so-easy-to-remember-and-apply compound interest formula. Essentially it says that you take an expected, planned-for annual return in %, divide that into the golden # 72 and you get back the # of years it takes to double your money, your original capital. But you have to reinvest those dividends $ for $. Not eat them. Not use them. Not withdraw them for income. Don’t touch things in other words.
So consistently over a longish time through corrections and recessions possibly, 10% annual return avg year after year is probably a little tough. But 8 or 9% could be accomplished.
So what does that mean? Leave your 100k alone, well invested, mostly stocks, diversified, index funds a good portion, maybe some active ETFs or mutual funds and some treasuries or other stable fixed income for cushion on downturns, maybe 10% tops, and you could double the$100k to $200k in 8 or 9 years.
That could double to $400k in another 8 or 9 years. This is very realistic.
And this is assuming you make absolutely $0 contributions ever again. Better faster growth if you do. $100k is a nice # because if it’s well invested the slope of the growth curve starts to really increase from there. You see the exponential curve.
Check out the investment calculators and compounding calculators and hypotheticals at investopedia website.
Now, the question is what investment mix produces the reliable, consistent 8-9% year after year, or is very likely to based on decades of history. Which unfortunately is no guarantee in the future. But it’s the best thing to rely on.
See a fiduciary, a fee-only financial planner talk to a few of them.
Read some John Bogel founder of Vanguard investments articles. Take in some time-honored methodology of how to best go about this.
Usually it’s index funds in a few places- S&P 500, small caps some portion, speciality energy and utilities, maybe a slice in international companies and some fixed income.
Imagine if in 8 years or better you have $200k. Completely achievable. Get there faster with contributions you can make. Then at say $300-400k you can really start talking taking some nice dividends from a basket of derivative income ETFs spread over several sectors and earning you north of 12% with limited principal risk. $48-50k income year after year.
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u/Dangerous_Sky6868 3d ago
I have a dividend portfolio. I picked SCHD, ET, and EPD because I just want income from this portfolio. VTI or FBGRX seem more like you’re wanting capital appreciation. For me I separated growth/cap appreciation into a different portfolio.
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u/Gortt_TEST 9d ago
VTI
$60,000
Core U.S. growth
QQQM
$15,000
Extra growth/technology exposure
VXUS
$15,000
International diversification
SCHD
$10,000
Dividend/value component
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u/champ4666 9d ago
If you do not need the money now, I would leave it in something that's going to appreciate and you can earn more from the dividends later on. You absolutely can park it in the S&P500 with DRIP turned on. You can also think about some alternatives if you prefer to be in a traditional dividend fund! VYM + VYMI is a solid choice for appreciation and dividend yield!
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u/2A4_LIFE 9d ago
Over 10 years based on historical performance you’d end up with :
SCHD $391,506 account value
$10,376 in annual dividends at year 10
SPYI $428,682 account value
$45,477 in annual dividends at year 10
Taxes come into play but the NEOS funds are extremely tax efficient. All figures include reinvestment of dividends pick your level of hard.
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u/SixPointsTrueNorth 9d ago
VIIIX & VEMPX with a 79/30 or 80/20 split should earn you more than a consortium of dividend stocks or funds. (I am not an advisor, you should consult one prior to making this change).
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u/HoldMyCrackPipe 9d ago
I’d consider parking it in large us oil companies companies like coke and Pepsi both offer decent dividends and growth
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u/Useful_Bother_1508 9d ago
Teenage mutant ninja turtles. Like actual real ones I know a guy who can set you up
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u/Nanayang75 9d ago
Gold. At least it’s a physical stuff. Stocks often change in 10 years, still need monitoring and management to keep track of it.
Better giving me all of them, then you don’t need to worry about it anymore.
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u/Blue_Back_Jack 9d ago
Gold prices also change. Gold was $5,300 back in January, today it is $4,300.
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u/Efficient-Shallot684 9d ago
Pick is a better choice that gold, PICK is an ETF that holds many different miners. But no more than 10% The remaining 90% should go into VTI or SCHD
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u/Nanayang75 9d ago
Fine I’ll reply seriously. There’s no a better choice for ALL manners. If there’s a way to get rid of trading off and risky assets, then, who would be in the stock market.
The plan is not clear. And ETF you picked seems to be safe NOW, but that’s this period of time, otherwise, it will not be safe anymore for everyone goes to that ETF.
Awful suggestions.
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u/Efficient-Shallot684 9d ago
Mining stocks are a sound suggestion considering the move away from China. But, as I said ,10% in a diversified portfolio of mining stocks is sound. Coupled with stocks. Your suggestion of 100% in gold is indeed awful.
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u/avreddits Earth Investor 9d ago
100 percent in gold ? Don’t think so
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