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2020 Investment Thread

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byke said:
Lotta different interests one can have with dividends, but my thoughts are based around retirement income, which yes I know you're not really supposed to count on, but sometimes there's not much of a choice. Knowing that, you can't entirely go with super safe stocks, because they don't yield much, then you can't go high risk, because you're going to screw yourself at an important time in life. Just trying to find that balance, which yes I do think is better suited to more diversified funds to reduce the impact of some random issue to a specific business. Still gotta pay the bills even though some salmonella outbreak at CMG has everyone shitting their pants. :p
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In that case I'll still be a homer and root for VDIGX for at least a percentage. Is this inside a Roth?
 
All the Vanguard funds are great and would definitely agree with VDIGX for a percentage.

Not inside a Roth. My income has been so shitty for a while now I was thinking about moving it into a Roth over a period of several years, because we could do it with a minimal tax hit, even less if we could sort out a spot in Reno as a primary residence. Howeverrrrr, we've thought about retiring in Italy or France and the amount of money you need to live decently over there is so little that we probably wouldn't pay hardly anything anyway, so may as well let the number remain as large as possible to own as many shares as possible.
 
byke said:
All the Vanguard funds are great and would definitely agree with VDIGX for a percentage.

Not inside a Roth. My income has been so shitty for a while now I was thinking about moving it into a Roth over a period of several years, because we could do it with a minimal tax hit, even less if we could sort out a spot in Reno as a primary residence. Howeverrrrr, we've thought about retiring in Italy or France and the amount of money you need to live decently over there is so little that we probably wouldn't pay hardly anything anyway, so may as well let the number remain as large as possible to own as many shares as possible.
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Off topic, but are either of you EU citizens? Or how does it work if you aren't from the EU but want to retire there?
 
asdfghwy said:
Off topic, but are either of you EU citizens? Or how does it work if you aren't from the EU but want to retire there?
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Every country is different.

Most allow visas/permanent residence after a period, if you have the financial capability. Most Euro countries aren't interested in poor retirees for some reason.
 
asdfghwy said:
Off topic, but are either of you EU citizens? Or how does it work if you aren't from the EU but want to retire there?
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Negative, though I technically qualify for Italian citizenship if those lazy fucking eye-tie's would send me my great great grandfather's proof of birth, otherwise as far as I know you apply for a long stay visa and residence permit and keep renewing for ten years then apply for citizenship, assuming you want into their free healthcare system(which is reciprocal across the EU). If not, just keep renewing and live there forever. You do have to show that you have some money to live on, which isn't clearly defined. Apparently it's like the dmv where it depends on who you get at the consulate to review your application on any given day. Some people get it with 50k in the bank, some don't get it with 100k in the bank.
 
And bring them Sees Candy. Apparently it's Italian crack.
 
Any of you guys favor ETFs over mutual funds?

I like the idea of buying and selling ETFs like stocks any time the market is open.
 
AwakeNAlive said:
Any of you guys favor ETFs over mutual funds?

I like the idea of buying and selling ETFs like stocks any time the market is open.
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Doesn't matter much to me as I don't day-trade them. But I'm kind of partial to holding individual stocks instead of funds. No management fee and it's more exciting. :laughing
 
AwakeNAlive said:
Any of you guys favor ETFs over mutual funds?

I like the idea of buying and selling ETFs like stocks any time the market is open.
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I seldom purchase mutual funds anymore. There are disadvantages to ETF's but ability to trade is not one of them.
 
I gravitate toward funds that track indices and sectors rather than actively managed ones. That makes ETFs a no-brainer due to the lower fees and ease of trading.
 
Is it possible to buy partial shares of ETFs?
Example: I have $500 dollars left over this paycheck, SPY is at $350. Can I get 1.43 shares?

My emergency fund has a balance I'm happy with AND my car is paid off. I'm ready to finally start saving after-tax dollars!
 
Depends on your broker I guess, but you could buy a similar fund with a lower per-share price like SWPPX.
 
Eye Heart Pasta said:
Is it possible to buy partial shares of ETFs?
Example: I have $500 dollars left over this paycheck, SPY is at $350. Can I get 1.43 shares?

My emergency fund has a balance I'm happy with AND my car is paid off. I'm ready to finally start saving after-tax dollars!
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Schwab sells partial shares, but I'm not sure if that applies to ETF's.
 
Eye Heart Pasta said:
Is it possible to buy partial shares of ETFs?
Example: I have $500 dollars left over this paycheck, SPY is at $350. Can I get 1.43 shares?

My emergency fund has a balance I'm happy with AND my car is paid off. I'm ready to finally start saving after-tax dollars!
Click to expand...

Robinhood allows it
 
PM adds an international angle on vice
T I don’t see phones and tv going away but hope their debt does
VYM
VWEHX if you’re aggressive risk wise
I enjoy seeing the yearly income dividends provide, kinda like I’m old school and like checks in the mail.
 
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I dunno about that VWEHX. Kinda looks like you're just paying yourself dividends in the endless depreciation of your investment.
 
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