John Oliver had a great bit on retirement plans [1] if you're interested in passive investing. I've pretty much only followed this advice since 2016, with minor

John Oliver had a great bit on retirement plans [1] if you're interested in passive investing. I've pretty much only followed this advice since 2016, with minor changes accounting for my personal situation. My Vanguard portfolio has tracked the market, which means my annualized rate of return is about 12%, at an expense ratio of .1% (how much I pay in fees of that original 12%.) Of course that won't last forever, but it's a good balance of risk and return. A bank account usually pays around .25-1% a year. Active investors, on average, do as well as passive investors, but incur greater costs. [2] I only "actively invest" for fun, and as a way of connecting with my friends and family who also enjoy the stock market casino. [1] https://www.youtube.com/watch?v=gvZSpET11ZY https://www.youtube.com/watch?v=gvZSpET11ZY [2] Warren Buffett's side of https://longbets.org/362/ https://longbets.org/362/