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> I'm not comfortable investing the entirety into an index fund, given the current socio-political climate. The government is printing an awful lot of money ri
by emit_time 6y ago
> I'm not comfortable investing the entirety into an index fund, given the current socio-political climate.
The government is printing an awful lot of money right now.
Keeping your money in cash isn’t a guaranteed return if inflation goes up significantly. You’re much better having it in assets with intrinsic value. (Stocks, real estate, etc)
I would suggest investing the money over the course of a couple years into an index fund, probably S&P 500 or total market.
Even if you invest at the worst possible times (right before crashes) you’ll come out way far ahead of leaving it in cash.
https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/ https://awealthofcommonsense.com/2014/02/worlds-worst-market...
- crack-the-code 6y ago> Even if you invest at the worst possible times (right before crashes) you’ll come out way far ahead of leaving it in cash. I don't like this argument, because it seems to imply you would indefinitely leave it in cash. In this hypothetical situation, where a market crash is impending, and individual could invest at the bottom and make significantly higher returns than investing prior to the crash. This of course goes without saying, "you can't time the market", but it's a bit dishonest to indicate that you can't beat the market here.
- JMTQp8lwXL 6y agoIf OP isn't comfortable investing now, when would they be, or stated in other words, what about the socio-political environment needs to change to make investing 'comfortable'? Depending on what kind of changes OP needs to see, they may not feel comfortable investing for years or even decades. And those years add up to many missed dividends and price appreciation.