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geocitiesuser 5 points ago +5 / -0

Large cap currently. Choose your poison, schwab,fidelity,vanguard, etc.

My current prediction is that small and medium cap index funds should explode if/when we ever return to normal. Big business seems to be completely unaffected, if not profiting.

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Litterboxer1 2 points ago +2 / -0

Ahhh another pf member, I see...

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geocitiesuser 3 points ago +3 / -0

pf?

I hope that stands for pede financiar

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Litterboxer1 2 points ago +2 / -0

Haha the personal finance subreddit. I know 99.99% of reddit sucks, but that one's actually really useful and very informative. They're all about low-fee set-it and forget-it index funds over there!

...Though, now that you mention it, I do like pede financiar... rolls off the tongue quite nicely

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Klown_Schwab 2 points ago +3 / -1

We are never returning to normal. Not without a mass pleb uprising. UN Agenda 2030 is in full swing.

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geocitiesuser 1 point ago +1 / -0

There's a huge "Maybe" here.

New normal, if we lose the republic, will mean living in a socialist hellscape, but that's even more reason to make sure you are investing your money where the wealthy are. Wallstreet is the tool of Soro's wealth. So long as he and other wealthy people stay invested, I think it should be pretty stable regardless of who is in power.

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Xerxes_Bleeds 2 points ago +2 / -0

Good to know, thanks!

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Phil_DeGraves 1 point ago +1 / -0

Have a look at MGK, the Vanguard mega-cap growth fund. Tiny expense ratio, performance charts are very impressive (beats the pants off the S&P500 consistently), and the companies inside are enormous and thus pretty darn safe.

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geocitiesuser 3 points ago +3 / -0

I'm in something very very similar. The vanguard admiral funds, imo, are the best there is, for hands off private investing.

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Phil_DeGraves 3 points ago +3 / -0

Heard good things about them, but I usually stick to ETFs nowadays for new acquisitions. Both have their advantages though!

I'll take another look, thanks!

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geocitiesuser 1 point ago +1 / -0

ETFs are a great money vehicle too.

The difference between "middle class" and "upper middle class" or even "wealthy" is being smart with your money. It is mind numbing how many people do not invest outside of their 401k. Most people don't even have an interest savings account, the lowest possible risk investment there is while keeping your funds fully liquid.

I want to say they don't teach this stuff in school, but if I didn't learn it in college, I'm not sure where I did.