We wanted to buy a house in Seattle. But blind suggested not (for people who will move out in 4 years). Now what? This is our retirement money too. So can’t lose it all. I need to play safe but keep money at work. Currently it’s mostly in cash. #Amazon #microsoft #google #apple #facebook #personalfinance #investments
Index funds are returning like 13% annually over the past 5 years. 13% is more than enough for me, so I have everything in index funds.
Can you give some examples?
Yeah the S&P500 mutual fund from Vanguard has been returning that. It requires a $3000 buy-in which the OP shouldn’t have a problem with. But for beginner investors working with less, the ETF version lets you in at a much lower requirement and returns near the same, maybe a half percentage point less (from memory). My portfolio is in 7 different Vanguard index funds, weighted heavily toward S&P 500 but with a few large and mid cap funds. Vanguard small cap index Vanguard Wellington Vanguard international growth Vanguard institutional 500. T Rowe Price Blue Chip Growth Target Retirement 2045 Target Retirement 2050 Returned 16% annually for me over 3 and 5 years.
For non 401K investment, It depends on your age and when you need the money. I would recommend a global growth diversified ETF as the world economy is going to go back. We will see also a transfer from tech to other sectors/industries. So something like MGGPX , PRGSX , PGIIX. Check the entry asset under management level and expense ratio. See here https://money.usnews.com/funds/mutual-funds/rankings/world-large-stock For 401K, I would stick to Vanguard and add Vanguard emerging markets to the good reply above from @SAP EnuW33
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Ultra safe - HYSA Safe - bonds Low risk - SPY/VTI index funds Moderate risk - Sector specific funds, F500 companies, blue chip companies High risk - individual stocks, speculative ETFs Very high risk - crypto, SPACs, low mcap companies