Investing in boring index funds has produced 20% returns this year. Can't imagine it will happen again next yr but who knows.
Actually I had an allocation in Apple which has had a crazy year..up 60% or so to all time highs.
Actually I had an allocation in Apple which has had a crazy year..up 60% or so to all time highs.
I also did some passive index fund investments but I only count cash dividends as actual "income".
For the most part though I ignore it. The best returns consistently go to investors who have forgotten about their account.
Of course if I was closer to retirement that wouldn't work out. However that is why financial managers suggest a regular plan of diversifying into less risky (but lower return) investments as you get older. Target date retirement plans do that for you.
The market does sort of concern me right now though. We're sitting at all time highs for the S&P but there's worrying signs everywhere. I don't know how it'll all play out next year, so I might gradually sell some to lock in gains before end of year.
If you need the money short term, then it shouldn't be invested in equities.
My amateur "macro" view is we're in for heavily volatile times in the next 5 years.
I tend not to follow textbook personal financial advice shrug
Will there be an announcement?
It's kinds interesting and even exciting to "shop" for new investment opportunities when dividends are posted.
agree about the market and all time highs and it feels dangerous. The thing is that no one can really predict what will happen, the only decent advice is, again, to diversify? Diversify with assets outside of the regular market fluctuations, e.g with cash savings, real estate, precious metals