DarkBlack
Elite Member
S&P futures up 1/2% right now
Nasdaq futures up 7/8%..
Nasdaq futures up 7/8%..
How are your investments doing?
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Snobdds
Super Member
The market top is in...
drssg
Elite Member
I made that up. I apologize for the confusion. People don't use horse and buggies for transportation anymore, so there is little demand for buggy whips. It is sometimes used as an example of a business that has died, due to technology advancement.
Snobdds
Super Member
To those saying the market is too expensive…you realize it always appears too expensive at the moment .. for a given day, and circumstances?
Tomorrow, today’s prices will look like a bargain.
Here’s the S&P 1925-2025. 100 years of some people saying somewhere, along that timeline, on a given day/month/year, it was too expensive.
View attachment 4327471
When money forgets time, society forgets motion. When money relearns gravity, value becomes real again.
mark in portugal
Gold Member
Historically, the markets always rose again; so those who were liquid enough to hold, came out ok.
Those Buffet types, who cannily had extra cash to hand, bought bargains and profited greatly.
So remember to stay liquid; preferably the capacity to not touch your stocks for a few years, just in case.
If the real armageddon comes and it all collapses, only the bunker equipped preppers will have an edge.
For a while. Maybe.
Those Buffet types, who cannily had extra cash to hand, bought bargains and profited greatly.
So remember to stay liquid; preferably the capacity to not touch your stocks for a few years, just in case.
If the real armageddon comes and it all collapses, only the bunker equipped preppers will have an edge.
For a while. Maybe.
Actually the US Dollar is still the reserve currency and the debt is being paid.
Just sayin’
jmc
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A buggy whip is a control device for renewably powered transportation.
NorTracNY
Platinum Member
My investments are doing excellent. I've always used this philosophy. Money and purchasing power is relative. I've NEVER worried about the market crashing. IF the market crashes and goes down, I'm not the only person who's investments will get hit. If the wealthy amongst us are investing, there is no reason we all shouldn't. Just don't try to hit homeruns with individual stocks. I certainly have bought individual stocks, but I only lost when I bought speculative ones. For the most part, I buy broad mutual funds or ETFs.
Never try to time the market and never listen to anyone that talks about timing. Someone talking about gloom and doom is just a market timer. This would be someone that is too afraid to invest, or doesn't understand the markets. They are not in the market, so they want company. They don't want to be alone when the market does well and they didn't participate.
If you don't need the money for 10 years, that money should be 100% in equities. So even at age 70, whatever you don't need for the next 10 years should be in equities. That doesn't mean there should be no money that you need in the next 10 years in equities.
If you're more than 10 years from retiring, 100% of your 401K should be in equities.
Never try to time the market and never listen to anyone that talks about timing. Someone talking about gloom and doom is just a market timer. This would be someone that is too afraid to invest, or doesn't understand the markets. They are not in the market, so they want company. They don't want to be alone when the market does well and they didn't participate.
If you don't need the money for 10 years, that money should be 100% in equities. So even at age 70, whatever you don't need for the next 10 years should be in equities. That doesn't mean there should be no money that you need in the next 10 years in equities.
If you're more than 10 years from retiring, 100% of your 401K should be in equities.
To those saying the market is too expensive…you realize it always appears too expensive at the moment .. for a given day, and circumstances?
Tomorrow, today’s prices will look like a bargain.
Here’s the S&P 1925-2025. 100 years of some people saying somewhere, along that timeline, on a given day/month/year, it was too expensive.
View attachment 4327471
I have read that the U.S. cattle herd is the smallest it has been since the fifties. It would be a good time to build a herd. A family a few miles from us are the largest cattle wholesalers east of the Mississippi and they are doing a booming business.
If I remember correctly the S&P 500 has returned 10% growth a year for the past 100 years.
RSKY
Wife and I could easily live off our pensions and SS. The IRAs, 401Ks, etc. are backup and security for us and our families. Generational wealth that was passed on to us and will be passed on to our daughters. I am working on the oldest grand now, trying to teach her how to save and what it means to have the security and peace of mind that comes from having a cash reserve.
I am now making two car payments. I bought a new vehicle in April of 2024 and took the money out of investments to pay cash. Dumba$$ move. Fund was down when I pulled the money out and started back up the next month. Made the vehicle cost a lot more than it should have. Look at it this way, the fund I sold out of had dropped to $28/share when I pulled the money out. Thirty days later it was around $34/share. Arrggghhhh, what a dummy! So my oldest liked my new vehicle so much I bought her one to even up some inheritance issues. (Youngest bought land and house from my wife and her sister at a bargain price). And I make payments on that vehicle. That fund has now climbed to the upper $40/share range. So I made a good choice. Recently I loaned the money to oldest grand to purchase a vehicle. I'm gonna make payments on that one too rather than pull the money out. That one will end up costing me no matter which way I go BUT she has sat down with me and discussed money issues. It will be worthwhile if I can get it in her head how to manage her money. Her mom has good money sense but her dad still likes to buy the newest fad. He is coming around but I still haven't got him to be a tightwad like me.
RSKY
I am now making two car payments. I bought a new vehicle in April of 2024 and took the money out of investments to pay cash. Dumba$$ move. Fund was down when I pulled the money out and started back up the next month. Made the vehicle cost a lot more than it should have. Look at it this way, the fund I sold out of had dropped to $28/share when I pulled the money out. Thirty days later it was around $34/share. Arrggghhhh, what a dummy! So my oldest liked my new vehicle so much I bought her one to even up some inheritance issues. (Youngest bought land and house from my wife and her sister at a bargain price). And I make payments on that vehicle. That fund has now climbed to the upper $40/share range. So I made a good choice. Recently I loaned the money to oldest grand to purchase a vehicle. I'm gonna make payments on that one too rather than pull the money out. That one will end up costing me no matter which way I go BUT she has sat down with me and discussed money issues. It will be worthwhile if I can get it in her head how to manage her money. Her mom has good money sense but her dad still likes to buy the newest fad. He is coming around but I still haven't got him to be a tightwad like me.
RSKY
LittleBittyBigJohn
Veteran Member
I added all my retirement accounts up again yesterday.
From 9/25/25 to 11/3/25 I'm up a little over 4.5% That is huge!
I occasionally add them up and keep the tallies in a book. The closest I have to a year on the random dates I pulled was 12/10/2024 to 11/3/2025 and I'm up 23.6% in that time! We have been blessed so far.
From 9/25/25 to 11/3/25 I'm up a little over 4.5% That is huge!
I occasionally add them up and keep the tallies in a book. The closest I have to a year on the random dates I pulled was 12/10/2024 to 11/3/2025 and I'm up 23.6% in that time! We have been blessed so far.
WM75Guy
Elite Member
Tech bubble burst today.
scootr
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Down today up tomorrow...just don't look at it today.
CloverKnollFarms
Super Member
It's down less than 1%. That's not a bubble burst.
Let's go back to 2008 for some context.
Can you imagine the melt down people would have today if they saw those losses?
Let's go back to 2008 for some context.
Can you imagine the melt down people would have today if they saw those losses?
ponytug
Super Member
Perspective is (almost) everything.
All the best, Peter
All the best, Peter
Fuddyduddy1952
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Compound interest is fascinating. Someone mentioned the S&P500 at 10% for the last century. Here's $1,000 invested in 1925 then adding $100/month reinvesting dividends and capital gains. After so many years adding $100/month doesn't have much effect but notice what happens after about years 80...the rocket launches.
So it goes from 100s to 1,000s eventually $Millions/year in gains. This explains the "old money" wealthy families. As my Grandfather once said if someone invested properly, leaving it to heirs, within the 2nd-3rd generation no one would ever have to work again.
So it goes from 100s to 1,000s eventually $Millions/year in gains. This explains the "old money" wealthy families. As my Grandfather once said if someone invested properly, leaving it to heirs, within the 2nd-3rd generation no one would ever have to work again.
The secret to building wealth is to invest early and don't touch your investments until you retire.
You can make up a spreadsheet to show how different interest rates will change the outcome over a number of years. Granddaughter came over today and I just didn't have time to set her down and show her.
IF my formula is correct and using your figure of $100/month at 10% return the first million would be at age 66. That is with a total of $56400 invested. Change it to 11% and the first million would hit at age 63. At 12% it would be 60. After that each 1% return added drops the age one million dollars achieved by about two years. Each year earlier drops the total invested by $1200. Dream on about that actually happening but it is theoretically possible.
The Fidelity index fund tracking the S&P 500 is currently sitting at 14.62% for the past ten years. That would give you $1.1 million with a total investment of $43200 at age 55. THAT will never happen because the S&P 500 will not keep up that level of return.
Spreadsheets can show what is possible, but not probable.
RSKY
I lost half as much today as I did in April. It will come back unless there is some Earth shattering event happening. I am looking 10-20 years ahead when we are not around any more. I expect the market to climb for the next eleven or twelve years with some corrections when it overvalues. But no major drop and stay down.
