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Sadly it means that you'll need more active strategies to seek alpha. For example I've been chasing the AI bubble just to squeeze out 1% gains. If I had just l
by frozenport 3y ago
Sadly it means that you'll need more active strategies to seek alpha.
For example I've been chasing the AI bubble just to squeeze out 1% gains. If I had just left funds in Vanguard I would be down.
- tiahura 3y agoShould have bought a CD paying 5%.
- hnfong 3y agoWhat are you talking about? Interest rates for savings/cd accounts for USD is like 4% now....
- amalcon 3y agoYeah, the banks are basically falling all over themselves to sell CDs, since this is how a bank can borrow with a longer time horizon. CDs exist to hedge the kind of risk that has been causing these failures.
- haswell 3y ago> If I had just left funds in Vanguard I would be down. My vanguard lazy portfolio is at +2.2% over the last year, and +5% since ~2016. Cash is bringing in 4% or better for decent savings accounts, and a CD ladder would be better still. I’m not claiming this will continue to be true, but chasing AI to get 1% sounds like something to reevaluate.
- tekla 3y agoWhat the hell are you doing. Im 5% up right now in the past 5 years and 2% up in the last year and I dont pay attention to it at all. You might want to try stop attempting to be smart.
- ricardobayes 3y agoThat doesn't mean a lot without context, in some countries gov't bonds yield 16% now but their real inflation is 50%+.
- hnfong 3y agoThe context is 1% gains claimed by GGP by chasing AI fads. There are easier ways to get ~4-5% these days. Not saying it's a "good" return though.
- deleted 3y ago[deleted]