Ask HN: What's your advanced investing advice? | Hacker News Reader

Ask HN: What's your advanced investing advice?

5 pointsCoreSet8 comments

I've followed all the basics - emergency fund, pension plan, Roth IRA, taxable brokerage account, etc

Now I'm looking at "what comes next" - all individual growth stocks are so overvalued as to make fundamental analysis meaningless, real estate is inaccessible at my income level, and alternatives like gold, crypto, et al, don't pass the smell test of beating basic index funds.

Bogleheads would say that's a feature, not a bug - there is no beating a market.

But is there really nothing more?

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https://www.bloomberg.com/features/2025-how-to-invest-now/ | https://archive.today/bN7z1

(the expense ratio for the international equities index they mention, MSCI ACWI, is much higher than VXUS for similar exposure; not investing advice)

Look at what money managers do for HNWI. Less about beating the market and more about preserving assets no matter the situation.

Gold is beating the S&P YTD by 3x.

Venture capital or angel investing may also interest you if you’re accredited and like supporting startups.

There is. Learn to dance - https://www.youtube.com/watch?v=BiAwpYIkRmU

Ride the indexes (or target retirement funds)

The only people who have consistently "beat the market" ended up in prison for running Ponzi schemes

ride the indexes if you want to get rich, if you want to get wealthy absolutely not. no wealthy person is index investor. the number 1 rule of investing is that you should know what you are investing in and no one sane knows everything about all the companies in a given index fund. so while conventional wisdom is ride the indexes, if you care about your money and are willing to put the necessary time in for research index funds should be the last thing you invest in.

Survivorship bias

This works, only after you have enough money to be able to spend all the time on that research. So, until debt free & net-worth $5M USD: low fee indexes.

I would agree except there is a lot of time most people waste that could be put to better use. yeeears ago I freed up about 4hrs/day but removing all social media apps from my phone and logging off for good. spending 60-90 per day is something most people should be able to allocate by cutting that same time from infinitely less important things than your investments

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