Don’t get me wrong, I’m thrilled about “the sale” but ughh can we please hit the bottom soon?

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Please no. I hope to buy low for the next decade if possible. Not retiring for a long time.


At some point, that "low" will just become the new normal as the world population levels off (and especially the developed world population) and resources become pretty tapped out. And productivity declines due to leisure alternatives.

You can hope to buy in low, but just don't expect it to follow historical unsustainable growth trends and make up for it later. (i.e., still better to buy in low, but don't count on it being 10x or even 8x higher in 40 years)


I live with my parents, have no expenses, and am using all my paycheck money to buy into VGT and QQQ every 2 weeks until we rebound. Are those good picks?


All great advice. You could do a QQQ tilt if you want but the the foundation of your portfolio should be Total US stock, Total International and Total Bond. Sounds like your young so you should be stock heavy.

I’m 40 and I’m still 90-95% stock. Planning on doing the 3 fund and with a small value tilt.

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