{ "media_type": "text", "post_content": "Is it too late for me to start investing? Feel like with current market, I probably will end up 📉", "post_id": "6174a12017dfff002c9c4a25", "reply_count": 6, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }
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Is it too late for me to start investing? Feel like with current market, I probably will end up 📉

likefunny
Posting as :
works at
You are currently posting as works at

With your title of analyst, I have to believe you’re decades out from a normal retirement ago, yeah? Let’s be conservative and say 30 years. Go ahead and look at historic averages of 30 year time periods and you tell us if you’re too late…

likefunny

Don’t time the market. If you have a long horizon just invest and ignore the news

like

Dollar cost averaging is the way my friend. If you have a 5+ time horizon, don't bother thinking about the day to day status of the market.

like

You will still own the shares regardless of the price fluctuations. Keep buying at all levels if you have a long time horizon.

like

There is always another meme stock. Just look at DWAC last week

Additional Posts in Personal Investment Chatter

Do you really work at least 8 hours a day?

likefunny

How do you combat imposter syndrome? I know my job in and out, yet I still feel like I am faking my way to it and that I shouldn’t be where I am. It’s affecting my motivation to be better. How do you deal with this battle?

like

How's the tech scene in Chicago? I know Google has an office there but it doesn't look they recruit SWEs there. What are some good companies are in Chicago for SWE roles--aside from finance?

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Partners (or anyone else that has sold work), at what level did you first sell work? Was selling work even expected of you at that level? And how did you go about it? I’m curious because I think one of the least acknowledged/trained skills in consulting is sales/relationship building and management. I hope the answers here can help others!

likehelpful

Is CPA + law school a good mix? I believe you can’t practice as a lawyer and CPA simultaneously, but is a law degree after CPA beneficial? Or should I have just gone to law school right after undergrad?

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20 years back , I would have agreed to IMMIGRATING to USA as game changer . Now I doubt coz the world is so interconnected. Think beyond being an economic refugee 🤫 , I love my life coz I don’t have to shit think about my driver, maid or cook .

like

Anyone working with Kubernetes or as a K8s Engineer? What are the salaries like ?

like

Thinking of a bunk bed - preferably twin over full for 3 and 6 yo kids . What are some good options that grow with age ? Ceiling height is under 8’.

like

Men: what kind of haircut do you have? Is a banker cut acceptable?

“Isn’t meth, like, so early 2000’s? Does anyone do that anymore?”

likefunny

Hi
Need 11 likes to chat.
Please help.
Thanks

like

Does anyone know about blackstraw.ai, I mean how is the company and how project they works for?

like

Anyone want to case prep tonight at 8PM please DM me.

like

I work for a smallish group that has a disproportionate amount of older employees who are very resistant to change. By older I mean 10% of the workforce is 70+. Many more 60+. Were worried about a mass exodus if we push some of the changes we’re considering. Does anyone have any experience with buy-outs? Terms? My group’s thought is we could front run some turnover and then tackle some organizational changes.

like

I inherited a project at my agency with a production co already attached. I had them book a crew member we needed and now they ghosted him on payment and I’m chasing them to pay him. WTF people suck.

like

Oh wow! New launch by Rolex 😍

Post Photo
likeupliftingfunny

Hello fishes one of my friend wants a referral for business executive position.
Has 3.5 experience in operations and administration. If your organisation has any openings Kindly DM me, TIA 😊

like

I work at a large company and there is a lot of salary information on Glassdoor. according to Glassdoor the avg comp at my company with my YOE is $20k more than what I make. Can I bring this into a discussion or is this not considered a strong data point? There are 15 salaries reported for my level with my YOE so it’s not like it’s only one or two data points

likesmarthelpful

Additional Posts (overall)

just graduated college and still figuring things out— should I be investing in the same funds in my 401k vs Roth IRA? What should I do differently between the two? I’m thinking of using the 3-fund strategy for one but don’t know what to do for the other. Any advice would be great, I’m clueless!

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How should I handle saving and paying for my masters? I am going to be completing it part time while working. Planning on starting in Spring 2021. Where should I put excess money to save for it?

like

Should I pay additional towards mortgage principal to eliminate pmi? Have about $57k left to hit 20% and eliminate PMI, which is about $400/month with 60 months left of payment. Instinctively- I think this makes sense but can someone explain why? Shift 57k from cash asset to home equity asset. Home appreciates. And eliminates 24k in fees. Is there anywhere else my money would be better? Some other investment?

like

First time apartment buyer - do I replace my solid hardwood floors or just sand and stain existing?

like

Contemplating „sell in May and walk away“. Proceed or stopp-loss only?

like

What’s your 401k asset allocation. Looking to understand if I should rebalance. Age 29, for reference

like

Thinking about moving at least 75% of my cash to buy into the total bond vanguard fund for my emergency fund from a long term perspective. Thoughts?

like

Question folks. About to buy a car and trying to figure out how much I want to spend.

What car do you drive and what did you pay for it??

like

Anyone know of a good real estate agent in the Charlotte area?

How do I get involved in investing toward a portfolio of properties that aren’t under my direct ownership?

like

liquidate and rebuy at lower cost basis?

funnylike

I am having a VTI vs QQQ dilemma. There seems to be a high level of overlap between their holdings. Is there a ratio between the two that I should target? Thoughts?

like

How much of your investible assets are in the market vs. high yield savings account? Below is my break down:

Stock market: 60%
High yield savings: 20%
Crypto: 10%
Checking: 10%

like

Have a 5/1 ARM at 3.3% from three years ago. Worth looking at refi options with the recent drop? Conforming loan, excellent credit.

like

How many of you can honestly say that your investments have beaten the market (VTI/ITOT/FZROX) over many years?

If so, what does your asset allocation look like?

like

AVEVA - a buy?

like

Did anyone get a jumbo loan with less than 20% down?

like

SEEKING HELP!!
What legal actions can you take on someone who has given you some post-dated checks of their bank but almost every check when deposited has bounced and you are really struggling to get the money from them? Can a check-bounce case be filed on that person? If so, whom should I be contacting first? The lawyer, the cops or the bank? I would really really appreciate any help/advice that you guys can provide. Please help a brother! 😔

like

I keep hearing a recession is coming. Should that stop me from still contributing to my IRA and brokerage accounts right now? I feel so clueless.

like

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