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Comment by bsvalley | Hacker News Reader

Open a brokerage account under your LLC and do 40% bond, 40% S&P 500 index funds, leave max 20% cash in the savings. If you're running a business in the US, that means you believe in the US economy. So betting on the US industry being successful in the future makes total sense. And it could bring up to on 8% average, while bonds would cover for potential losses.

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The US stock market is very highly priced when compared to historical prices from all other periods. There's a lot of room for US stock prices to go down and little room for stock prices to go to up.

It might be fine to put money into the US stock market if one is prepared to leave it there for a very long time in the event that market prices crash, but it sounds like the OP was talking about time horizons of months not decades.

http://alephblog.com/2018/03/14/estimating-future-stock-retu...

http://www.philosophicaleconomics.com/2018/01/future-u-s-equ...

Reminds me of JL Collins

https://youtu.be/eikbQPldhPY

Your advising the opposite of hedging? Let’s say US economy turns, you have now multiplied your risk.

Index funds go well with a dollar cost averaging strategy. If it goes down, keep buying the same amount every month so you endup acquiring more at a lower cost... which means when (and not if) it goes back up, you amplify your original gains.

Honestly within the next 20-30 years, if the US economy goes down, it’ll most likely recover. If not, we’re talking asteroid or major natural disasters.

The OP said 30 days not years.

What do you mean by years? OP is looking for money accessible within 30 days max. You can take your money out of any of the investments I mentioned instantly. Sure, the "investment strategy" is the long term thing here.

I second this, some brokers even pay a decent interest rate compared to banks.

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