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The long-run performance of broad index funds can be pretty predictable.
Of course, but the people who are constantly talking about "Stocks" and "The Market" are usually constantly trading, wheeling, dealing, doing all sorts of shit and then trying to brag about how smart they are cause they're "hustling" while... barely keeping up with or not keeping up at all with those broad index funds you already mentioned.
I pump Large Growth and call it a day.
Yep, S&P 500 or Russel 2000 is all you really need.
Saving accounts are just a great resource for banks. Their returns are always less than inflation so you're basically always losing money with them.
I've had stocks in a couple forms over my lifetime and after a while, both times I have pulled all my money out.
The first time was shortly after the 2008 crash. All those reassuring words my investing manager person told me were simply sweet nothings. I decided that taking the hit of losing half my money was a life lesson and used the remaining half to go travel and live a life for myself. That investing manager later went on to have a covid party out of defiance for masking requirements, caught covid and died. Felt good knowing my stranger-danger alarms were working even if I didn't understand my decisions fully at the time.
The second time I simply put my money into a low risk, government stock option for a few years. After watching global leaders fumble the handling of a global pandemic, I lost faith my own government to have my best interest in mind. I pulled my money out again.
I personally feel super uncomfortable allowing other people to make money off my money that I am risking. Even if it is low risk. It make me feel exploited.
Ultimately, I decided I don't need my money to work for me because I don't even want to work. I hate the concept of money. To me, money just disconnects us from community and nature.
If you are curious to how I live, it's with very little. I spent a number of years of my life living out of a 34 liter sized backpack. Living minimally while making sure what I owned had meaning, purpose or intention transfered over to when I finally started settling into a certain location.