Who /index/ funds here?

>Activision

Pro investor here.

Nice, I have been thinking about getting and iShare ETF that covers the Eurozone (it's EZU), although I'm a bit unsure of the tax situation as an American.

The economic outlook across the Eurozone has been good recently even in countries such as Spain, and a lot of important British companies will need to move some or perhaps all of their operations to the Eurozone due to Brexit.

The other fund I'm thinking about is VGK, through Vanguard, which has a lower expense ratio (0.10% vs 0.48%), although it holds a large share of its money in British companies.

I have about 2/3 of my net worth in index funds, and 1/3 in crypto (mostly BTC with a few grand in ETH).

Biggest index fund holding is Vanguard Total Stock. That's about 50% of my index funds. 30% is in Vanguard Dividend Appreciation, the remaining 20% is in Total Bond.

It's awesome. Average of like 17% gains over the last few years.

that 17% is just from the index funds. Crypto gains are just... insane.

I just bought the Vanguard Total Stock Market ETF (VTI). Pretty excited about it. I might consider putting more into it.

...

It's great. I'm holding some VDADX to get some dividend income, but I'm probably eventually just going to roll that into Total Stock

Have you ever pulled your money from an index fund entirely? Like let's say you put $5k in. You let it sit for a few months and decide you don't like it. You ever just collect on the dividends and pull your investment out only to go somewhere else? Just curious.

Oh, it's this faggot again.

If you are holding long term it's really never a bad idea to do that, unless you think the market is extremely overvalued.
You are probably right, thanks.
Not him, but there was one week when I pulled my money in and out of two different funds within my Roth IRA to collect both dividends and came out on top because of the market fluctuations on both days.

Yep. I was in Vanguards healthcare-specific fund for a while. Maybe like 6 months, decided I didn't want to be that exposed to a specific vertical (I do my gambling in casinos and on bitcoin exchanges), so I sold it all and moved it into their dividend appreciation fund.

With all of their funds, if you sell, you can't buy back in for 60-90 days (except through automated buys or ETFs, which is a nice loophole).

>what is risk management

You're doing fine user

Good to know. I'm just a beginner when it comes to investing. Purely passive and riding the S&P to making me some side money. I'll probably wind up throwing some more in this ETF until I get to $10k, then think about doing something else when the time comes.

>what is a lambo

with a lot of index funds, you dont want to try to time the market. you just want to throw money in whenever you can, and let it ride. All of the "you can expect to make an average of x% over y time period" only works if you let it sit through the ups and downs.

Dont sell when things go down. let it sit, or if you can, buy more

Invest in highly-diversified funds with low fees, and try to minimize taxes.

Do that and you'll be amazed at how much your money will grow.

You can always join the Bogleheads forums or on reddit /r/financialindependence

+1. Bogleheads forum and wiki are great resources

Thanks for the info, user. I went to my accountant for advice and he told me around the same thing you stated. Pretty much he told me "if you don't like it next year, then just pull your money out and try something else...just do some research before you make the investment."

So as long as I have that option with whatever I choose to invest in I think I'll be okay. Right now I'm happy with the Vanguard Total Stock Market investment, so we'll see how it does and maybe over time I'll put more into it or try another fund too.

Thanks for the tips

I got a bunch of money from life insurance and when I went to chase and they put it in a brokerage account and everything for me.
I feel greatly that it's not a good deal but I'll give it a few years and see where it goes. I don't really trust myself with it anyway, it's only a quarter of the total money I got, and it was windfall money anyway, so I don't feel too bad about not making the most optimal amount on it right now.

We're in an unusually long bull market, so keeping a lot of cash and slowly dollar cost averaging is a good idea.
Read up on passive investing so you can avoid fees down the line.

Bogleheads is a good place to start.

If you want to retire early, I also recommend:
Mr Money Mustache
reddit.com/r/financialindependence/
Basically, if you invest 25x your annual spending in 75% stocks 25% bonds (US-focused), then you are ready to retire early.

2018 is a serious estimate

Stupid question, if everyone agrees that bitcoin and the asset category of cryptocurrencies is going to moon, much more than stocks, why not just allocate more money there? Like 40% of money that isn't an emergency fund. At least for people younger than 30.

Go for it if you feel you'll get more money, but realize that the cryptocurrency market is based upon speculation.

With new cryptocurrencies popping up every day and gaining value, it reminds me of the Dutch Tulip Mania:
en.wikipedia.org/wiki/Tulip_mania

People bring up the Tulip mania meme all the time, but really, at least Bitcoin isn't solid?