-10% to +6% in five hours is stagnant?
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Amen to that, brother. I am way too risk adverse to have the courage to do what you are doing. I'll keep rooting for you at a distance though.
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DaFace, this is for you!

My 401k is in the following funds. I recommend index funds for 401k's since generally the expense ratios are super low. It really depends on what your company offers. The company I was with before this had absolutely crap fund options, all mutual funds and very expensive. I was so happy when the new company had tons of Vanguard options.

Vanguard 500 Index Fund - Admiral Class (awesome fund if you have access)
Vanguard Mid-Cap Index Fund - Admiral Class
Vanguard Small Cap Index Fund - Admiral Class
American Century Emerging Markets Fund - Class R6

Expense ratios of .04, .05, .05 and .91 respectively. I am invested 70% in the 500 index and 10% in the rest.

5 year rate of return on these funds is 16.26, 14.60, 14.97, 6.91. I have seen others discuss possibly dropping international exposure as it appears it lags US stocks for decades now for many funds when dollar cost averaging.

100% equities for me given that I am 35. I am not pulling for a market downturn but it would benefit me long term to see a very strong downward move where I just keep investing in these passive funds (maybe even more so).

I have T Rowe Price for my ROTH IRA and they are a bit more expensive for actively managed funds. But many have done very well and I can diversify a bit with 2 funds I like from them, one being a communication/tech fund and one being health sciences.

Expense ratios for the 5 actively managed I have with them range from .68 to .80. Their 5 year rate of returns have been better than my 401k, however. 24.08, 25.89, 20.48, 18.46, 15.05.
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To be honest with you, it’s money I had earmarked for my kids to give to them before I passed on.

I decided that this was an opportunity to get a lot of money to buy a very nice house with beach access & acreage in Maui, where I would live until I died & then will it to the kids to use as a vacation place & have my ashes spread out on the beach so they could always remember me when they were there.

Sorta my legacy to future generations. Ego driven? Probably…but I know the kids would love it & I would love it while I can.
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It’s a beautiful plan and I love the generational caretaking mentality!

I may need my kids sneak onto the property to spread my ashes in the cover of darkness once I pass on as I will not be a Maui land owner. Let me know the address and whether or not firearms are on the property so I can give my heirs the appropriate warnings in my will. :-)
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Just acknowledging that I have seen this and will respond once I'm not on my phone in a few days. :-)
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How about a recommendation for a fund for a 21 year old. Give me a ticker??
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VTI
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VOO is another that I like as well.
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Thanks, I swing trade 5 shares of TSLA in my daughters account and can grab about $300 every two to three weeks so I'll start adding that to her portfolio. Thanks again!
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Definitely a good one. Wait, is that a meme stock?!?!

VOO is another good choice as mentioned. Compare the 2 and see which one meets to goal/need.
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That one looks good as well.
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It is definitely not a rocket ship to the moon. It’s more of a piece of tissue paper in a mild breeze with a slow but steady uplift. It may even clear a small tree over time with its steady altitude gains.

In all fairness, I own VTI and VOO. I am kinda boring with my main investments. Yet, I get all the “excitement” that I want with my 10 year stock options from my company that total about 1/3 of my compensation. At any given time, I have WAY too much tied up in the performance of a single company stock for my taste. I never knew what bile tasted liked until I started accruing lots of options over time lol.
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I was mostly just giving you shit. But seriously FUCK YOU!!!
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The market was total shit today. It seems it is in the grip of fools.
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