2 ms·

Sure, but when calculated in inflationary dollars one currently expects to see a -14% return on investments, and your children will see -36% return. This is th

Sure, but when calculated in inflationary dollars one currently expects to see a -14% return on investments, and your children will see -36% return. This is the hidden cost of the "worlds greatest generation" population bulge waning. I learned one should check with your own personal _bonded_ fiduciary advisor, and not blindly trust most "investment" folks motives or advice... it is usually self-serving BS. Bag of popcorn ready for the 2025 market. =3

jayd16 2y ago
> calculated in inflationary dollars one currently expects to see a -14% return on investment Do you mean if one invested in EE-Bonds alone and not in something that moves with inflation?
- Joel_Mckay 2y ago
  Talk with your bonded fiduciary advisor, they are the _only_ people that won't try to sell you on nonsense or lie to your face. Disclaimer: This is not advice, so YMMV etc... note most financial "advisors" will quietly have >80% of their investments in boring index funds. Unbounded advisors at banks etc. generally do not "practice what one preaches" when there is no legal repercussions for lying to you. Best of luck, =3
- authorfly 2y ago
  I suspect he is arguing the line which many "Global crash incoming" channels propose that: A) Low birth rate leads to a Population/Population disposable income total(not per capita) will decrease, and thus gross capitalization decreases reducing stock value. Decreasing the benefit of investing in index funds potentially catastrophically. B) Inflation will be/remain high(or above earning increases) for core expenses (housing, food, water, gas, transport) Sometimes with the argument that B happening will cause A to happen (e.g. more expensive = less attractive for young immigrants, less attractive to have kids) I agree with some of it (for example disposable income inequality and core inflation issues are indeed causing a cost of living crisis which is discouraging growth), but I advise NOT to go down the rabbit hole of these channels, as they can give you a lot of anxiety.
  - Joel_Mckay 2y ago
    In general, one could argue disasters and conflicts affect the macroeconomic ecosystem in positive ways due to upticks in consumption... even if terrible on a personal level for living standards. It is absurd, but sycophantic idealism starts to sound really funny when you dig into the numbers. =3
tjohns 2y ago
Where are you getting these numbers from?
- Joel_Mckay 2y ago
  If it makes one feel better... these values will vary a bit depending on your country %Debt to GDP ratio, immigration rates, and current population demographics. Have a wonderful day, =3

jayd16 2y ago

> calculated in inflationary dollars one currently expects to see a -14% return on investment Do you mean if one invested in EE-Bonds alone and not in something that moves with inflation?

Joel_Mckay 2y ago
Talk with your bonded fiduciary advisor, they are the _only_ people that won't try to sell you on nonsense or lie to your face. Disclaimer: This is not advice, so YMMV etc... note most financial "advisors" will quietly have >80% of their investments in boring index funds. Unbounded advisors at banks etc. generally do not "practice what one preaches" when there is no legal repercussions for lying to you. Best of luck, =3
authorfly 2y ago
I suspect he is arguing the line which many "Global crash incoming" channels propose that: A) Low birth rate leads to a Population/Population disposable income total(not per capita) will decrease, and thus gross capitalization decreases reducing stock value. Decreasing the benefit of investing in index funds potentially catastrophically. B) Inflation will be/remain high(or above earning increases) for core expenses (housing, food, water, gas, transport) Sometimes with the argument that B happening will cause A to happen (e.g. more expensive = less attractive for young immigrants, less attractive to have kids) I agree with some of it (for example disposable income inequality and core inflation issues are indeed causing a cost of living crisis which is discouraging growth), but I advise NOT to go down the rabbit hole of these channels, as they can give you a lot of anxiety.
- Joel_Mckay 2y ago
  In general, one could argue disasters and conflicts affect the macroeconomic ecosystem in positive ways due to upticks in consumption... even if terrible on a personal level for living standards. It is absurd, but sycophantic idealism starts to sound really funny when you dig into the numbers. =3

tjohns 2y ago

Where are you getting these numbers from?

Joel_Mckay 2y ago
If it makes one feel better... these values will vary a bit depending on your country %Debt to GDP ratio, immigration rates, and current population demographics. Have a wonderful day, =3