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04-03-2024, 12:14 AM | #13816 |
Veteran
Join Date: Jan 2005
Location: SLC, UT
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Posts: 1,965
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04-03-2024, 12:14 AM | #13817 |
Veteran
Join Date: Jan 2005
Location: SLC, UT
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Posts: 1,965
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04-03-2024, 08:15 AM | #13818 |
Seize life. Be an ermine.
Join Date: Jul 2001
Location: My house
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I'm shooting for 5 years. I can still find those pretty consistently through Fidelity. The 10 year ones are down to 4.5 or 4.75, which actually is still good if you're retiring and think inflation is headed to 2.9 again. But10 year terms are hard to find.
I've got some shorter term ones as well that are a little higher, but I'd rather get 5 or 10 year. Lesson learned: don't buy JP Morgan CDs. They'll offer high rates and then will call them on you. These rates probably aren't good for anyone under 55, but they're great for the 60+ crowd. |
Posts: 142,964
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04-03-2024, 08:27 AM | #13819 |
Andy Reid Supporter
Join Date: Apr 2012
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6 months ago I put most of my assets in S&P funds and I think that’s gonna be the long term plan. Listen to Warren Buffett. S&P will always go up and if it doesn’t then everybody is ****ed.
I have FZROX which has no expense ratio. It’s free. It’s performed great. |
Posts: 48,111
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04-03-2024, 08:55 AM | #13820 |
Grand champ
Join Date: Sep 2007
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I bought into some travel stocks back in 2021 hoping for a nice rebound. To date, they’ve been hit or miss. As others have noted, Royal Caribbean has crushed it but Carnival is lagging. Same deal with airlines- I’ve got a couple that are up and a couple that are still down three years later. Not sure what to make of it all.
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Posts: 45,455
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04-03-2024, 09:24 AM | #13821 | |
Emporer of Mongo
Join Date: Apr 2010
Location: Milky Way
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Quote:
minor correction: FZROX is not an S&P 500 fund, its a total market fund (it has small and mid caps) so its not quite the same as investing in the S&P500 here's a 10 year chart of FZROX vs the S&P 500 https://seekingalpha.com/symbol/FZRO...ic=priceReturn if youre trying to specifically invest in the S&P 500 and mimic the perforfance of the S&P 500 then things like SPY or VOO etc are what youre going to want to look at. |
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Posts: 44,714
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04-03-2024, 09:39 AM | #13822 | |
Seize life. Be an ermine.
Join Date: Jul 2001
Location: My house
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Quote:
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Posts: 142,964
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04-03-2024, 09:40 AM | #13823 | |
Seize life. Be an ermine.
Join Date: Jul 2001
Location: My house
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Quote:
No fees at all? That's intriguing. I hate paying fees, and would like some broad market exposure. |
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Posts: 142,964
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04-03-2024, 09:53 AM | #13824 |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Posts: 52,457
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04-03-2024, 09:56 AM | #13825 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
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Quote:
Yeah, I bought quite a bit of LUV and AAL at the beginning of COVID with hopes of a substantial rebound when it was all over. I sold them both last month for relatively no gain or loss at all. |
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Posts: 41,247
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04-03-2024, 10:40 AM | #13826 | |
Emporer of Mongo
Join Date: Apr 2010
Location: Milky Way
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Quote:
people have different opinions but one of my favorites is VOO with only 0.03% fees. not zero but very close and has historically been one of the best investments long term to just forget about. I think the total market are great too. To keep it simple depending on age and portfolio amount 25% each in total market, s&p 500, nasdaq & some other fund you like wouldn't be bad. lots of ways to skin a cat but you really can't go wrong with zero/low cost s&p, nasdaq and total market funds for simplicity |
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Posts: 44,714
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04-03-2024, 11:04 AM | #13827 | |
Grand champ
Join Date: Sep 2007
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Quote:
Also, forgive me if I already asked and we discussed this recently, but with HYSA interest rates being so high at the moment, have you dabbled in any of those in lieu of parking that cash in a CD? I’ve been using CapitalOne’s HYSA and getting 4.3%. Admittedly, I could have found others at 5%+ but went with CapOne because of familiarity. I just wonder what are the pros to going CD over HYSA at a time like this. |
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Posts: 45,455
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04-03-2024, 11:37 AM | #13828 |
Veteran
Join Date: Jan 2005
Location: SLC, UT
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For my S&P 500 I use VOO for brokerage and IRA, and FXAIX within my workplace savings. I keep those separate from my, hey I think I’m a good trader play funds. That way I get to see how shit I am against the market.
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Posts: 1,965
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04-03-2024, 11:41 AM | #13829 | |
Seize life. Be an ermine.
Join Date: Jul 2001
Location: My house
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Quote:
I've parked a little money in a HYSA at my local bank for cash that I need relatively soon. Or maybe not. It's called a "timed deposit account". I don't know if that's the same thing or not. |
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Posts: 142,964
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04-03-2024, 12:08 PM | #13830 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Posts: 52,457
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