I was just putting a small percentage of my money in here when I started investing (didn’t realize dividends don’t matter when you’re young) and haven’t put money into it since last December, so that return is basically a bit fudged since the price just rose once and stagnated since without any more contributions besides DRIPI kinda wanna sell it and allocate it somewhere else or would the tax paid on that make it negligible and I should just wait and see what DRIP does in a few decades If I sell I would either just put it in some market ETF or maybe something more volatile, unsure
Looks like lil bro got corralled into the dividend trap. It depends on your human value, really. If you have a positive outlook where you can leverage skills to work and climb the paycheck ladder, you might want to stay in and add more, especially if you are risk averse.So on the other hand, there is a good argument to be made for taking on more risk. Right now you are investing in grandpa's fund. Grandpa cant survive a 5 year bear market because ... well he'll literally die in the meantime. You can survive a 10 year bear market and come out rich on the other end. Now, do NOT listen to /biz/. They will get you in all sorts of shit, like SCHD, moonshot gambles, financial cults, crypto scams. Here you will absolutely get the worst advice in the world.So i recommend you to talk about it with AI. Not chatgpt. Established approaches to portfolio management exist for a reason. It's backed by math and shit. You dont need stock picks from wizards. I could tell you what to buy, but AI can also do that adequately. If I were young I would maxblast it in sectors that are projected to grow a lot over the next decade+ like robotics and biotech. S&P can get fucked because 5k is nothing. Unless you may need the 5k... etc etc thi is why an AI 'conversation' will help you better. Good luck
>>62430031no offense but 5k is such a tiny quantity of money it truly doesn't matter what you do with it.
No bullshit yesterday I sold 300 shares of schd. I just bought more vxus with it because it has similar dividend returns plus it adds diversification for my portfolio
>>62430031Up 20% in less than a year is an excellent return.Obviously you want to gamble with the reddit morons and biztards.SCHD is my largest holding in my self directed IRA.But I'm in my mid-40s so I can't afford another total ass rape like happened in 2009 and 2020 to me already.SCHD is a solid low stress long term hold.OTOH you can Yolo into AIQ or stock pick like a degen gambler and see where that takes you.
>>62430031>only 20% plus dividends in 9 months?>biz how do I buy 3x triple inverse puts on Tesla?!
>>62430261Who suggested anything like this>>62430156It is if it compounds over the next decade or so, cumulatively with other money>>62430108Okay if you’re not bullshitting me which AI - I’ve talked with ChatGPT before but ask it very explicitly to never agree with my claims without reason and properly source every single claim it is making.
>>62430108>So i recommend you to talk about it with AI. Not AI.wut?
>>62430031>I should just wait and see what DRIP does in a few decadesThis. Definitely don't sell it and re-allocate. Futzing around with your investments like this is a good way to kill your returns. Studies by Vanguard and Fidelity consistently show that their best performing accounts are the ones with the least activity (e.g. 401k's that people just contribute to and don't keep changing their allocations, and old 401k's that people just left sitting there after they changed jobs). You can keep kicking a bit into SCHD every year if you feel like it. But at your age most of your investments should go into growth funds. One good mix is SCHD and SCHG (Schwab's growth fund). There's almost no overlap between their holdings (yay diversity), and because of that each one tends to do better in different market climates.
>>62430108>So i recommend you to talk about it with AI. Not chatgpt.You're not the sharpest tool in the shed. You talk about ChatGPT like we are literally in 2023.
>>62430528Look dumbass, a kid with $5k isnt paying for an LLM and free chatgpt is the worst tool in the world for any kind of research. ESPECIALLY financial. >>62430285Gemini is the bwst free option. Inb4 the horde of /biz/ retards (who are full port in WEN, GME and chainlink, mind you) dismisses Gemini because it doesnt say that the jews or niggers are responsible for their shit lives t. professional ai usooor and llm research00r
>>62430556Tbf I got like $55,000 just chilling in VOO I’ve just been acting retarded lately and have wanted to chase returns with shit like DRAM and was gonna sell SCHD for that but won’t nowWill probably just go back to DCA VOO or find some other ETF to satellite with idk maybe SOXX
>>62430556>Look dumbass, a kid with $5k isnt paying for an LLM and free chatgpt is the worst tool in the world for any kind of research. ESPECIALLY financial.You are such an actual fucktard. Tell me, in your pea brain, how does finance research look like? Asking the AI to give stock tips?Here is an example how triple-digit IQs use ChatGPT. https://chatgpt.com/share/6a43dd41-ec40-83eb-ac62-7ce8829bfd7cThe funny thing is, I know that how I use it (e.g. asking it to dissuade me from something) is literally a revelation to you. Not in a thousand years would you arrive at the idea that this tool can be used in such ways.
>>62430736Kek based moron>>62430686Oh, I thought you'd be all in like many schwabheads. well, that makes 5k in it an even bigger waste IMO. It also doesnt do anything to your portfolio in terms of safety because 5k is a pittance compared to your VOO. Find 1 or 2 companies you can love and be highly confident in. Make sure it's in a sector you know something about. If you don't know anything about any sector, research some. Tell AI to analyze and rank any of your picks based on widely used basic corporate frameworks wrt internal and external analysis. Faith and knowledge are important for stock picking because it helps you stomach drawdowns. Losing 1k feels much worse than gaining 1k. Sector ETFs have been pretty good too and worth considering over picks. But many of them are fuckin memes. Dont even bother with those fake ass gay ass ETFs with like 20 stocks in it IMO. In that case you may be better off spreading risk across the top 3 or top 5. Thats my own bias though. Data might show the opposite is trueOther than that youre already actually beating biz with 50k in VOO. Realistically, you can do nothing and win.
Btw fuck stoxx. Don t buy anything niggers here buy.Ive posted about my best performing stocks and ideas and they got 0 (you)s ever because many drooling retards here are nothing but gamblers who think they can predict the next 10 minutes of price action Biz talks about stoxx every day thats how I know not to buy it at whatever valuation its currently at. and will probably never buy it until I see pink wojaks
Meant soxx obviously kek
I fell for the divie meme too but its not so bad if you also have growth, 50/50 schd qqq outperforms the spy on every metricId say just keep it and dca into other stuff. If you sell it the market will crash to punish you
In case you wonder why gemini. It is good because it has the best access to Google, amd Google is the internet. For research, you need the internet. Plus it doesn't waste your time with emojis and sassy fag shit like GPT and Claude do. I'll happily consneed that other models may be better for coding or for jerking off to waifus. All benchmarks are lies
>>62430955Interesting well like I said I was gonna go after RAM producing companies for nowNothing else really strikes me as a buy
>>62431063In my opinion, ot looks like RAM etc has good earnings until next year. It's likely to continue to go up but until when? My horizin is a little longer. But in such insane headwinds yiu have to stay wary of major disruptions.E.g. The oil price is important. Many things depend on the oil price. This motivates big players to seek lower prices by any means necessary. Even murder and war. This is like the brgaining power of buyers. Same with ram. I'm sure it can easily cook for aother year but at some points somebody's gonna fuck it all up. Usually its the government kek. (Or Fed) besides political forces, nothing is really stopping google or amazon from making chips. Its not arcane occult knowledge. It's a make or buy decision and there is a limit of tolerance for high prices even in Le AI Boom or robomania.So just keep your own horizon in the picture and dont fall for short term trends. Vice versa dont step into longterm juggernauts if youre looking for really above avg gains in 0-2 years or so. Unrealistic (statistically; esp for beginners) but it happens. (this is obv less harmful than assblowing into high risk garbage btw)Dont take my word for it ... you could research all this for a lifetime. Its fun and educative. Dont forget to change your views (be adaptable. E.g. ''who moved the cheese") and try on some new clothes occasionally. hope I helped or inspired you in a good way
>>62431355> in insane tailwinds*Phonepostan here
>>62431355One relevant concept here is price elasticity. Oil is higjly elastic. Thats why bizniggers went bankrupt longing at 100. Ok I mean twitterfags . even biz wasnt that dumb
Not meant to dissuade you from RAM. Rather for you to investigate these topics and draw your own conclusions. I dont know shit about ram and cpus I was just aong for the ride
>>62431355I intended on DCA into $DRAM through 2027 based off all the projections I’ve read about demand of RAM and HBMIt seems like a good outlook, my first medium term hold vs long term so what do I knowThat was the idea anyway, just DCA each month into it and make a nifty return, not really speculating but based off actual real demand - not FOMO or chasing higher and higher returns either it feels like an actual no brainer as long as I even halfway pay attention to headlines / trends and returnsThe only other thing I’ve considered is going into something like SOXX or QQQM but eh I know QQQM has way too much crossover with VOO to even feel worth it
>>62431012>Google is the internetIt's the gay censored version.You can't find news stories about heinous crimes committed by blacks with Google.Many other things.
>>62431398Sounds good to me anon. And like i said, do consider other sectors which are projected to grow a lot but aren't at such high valuations. Nobody's talking about a robotics bubble or nuclear energy or [...] and optimally you wanna be in before people talk like thwt. Theres gonna be more shit like ram and semis if muh revolution is real.Thats why Im big in biotech, some consumer goods, robotics, ... future applications of AI/robotics instead of picks & shovels ... Figure oit your favorite, consider your risk profile and DCA away
>>62432002Yeah I am still figuring out my risk aversion to be honestI have heard nuclear energy might power AI data centers (not nuclear but Bloom Energy went up since its tech can more easily fuel them too)So I agree that there is potential thereI forget what I read but basically robotics is going to be the next big wave of AI stuffGot any ETFs for either you would recommendMaybe I'll satellite like 20% of my money into these things and the rest broad market?
>>62432002at any rate, have you seen actual tangible returns better than market average
Although this has made me realizeEven if I take a small lump sum like 3K and then DCA around that amount each month into something, that return better be big or it’s just not worth itLike let’s say I do 10k in principal or 15k by years end, it better beat the market 30% return would at least be 3kAnd if it does last through 2027 then damn this could be substantial gains but otherwise 20% or so return from VOO is mighty tempting
>>62430405>>62430528ChatGPT is a dumbed down low-processing-power consumer model. It is a joke compared to real GPT.>>62430556Gemini is still pretty rough but yeah best free option. Anyone smart just makes an account on Openrouter or similar and pays 1-2 cents per prompt for GPT-5.4+ or Claude Sonnet.
>>62432982Also for complex tasks I will say that GPT-5.5 (normal, not Pro) is often superior to Opus 4.8, which is kind of embarrassing for Anthropic honestly. Both IPOs are worth investing but I have serious reservations about Anthropic's long-term ability to keep up with OpenAI since from my perspective there's always been a slight performance lead that has widened considerably in 2026.
>>62432982Yeah this>>62432989Thabks for sharing. I heard good things about 5.5, I guess its a good generalist. Anyway the diminishing returns are a bitch. Everyone, I think, is not really competing on the base tech but rather on UX and shit. Claude is little more than a system prompt removed from just actually being Gemini. Yeah yeah tools. I know. Point is, the more = better adage is a total farce, always has been. we just didnt know the specifics or boundaries. But thats a discussion for another day and way too technical. transformers is not all you need, but it gets you very far>>62432382Good lad. With regards to ETFs, it's fine to simply go with whats the biggest one that has the best fees, and is available to you. Biggest = has the most money in it. Just check that, and whether it holds shit you align with. >>62432386Yes sir but it took me a while to figure out my personal strategy. I've had bad enough years that I almost killed myself. Coinicidentally, thats when I was undiversified and retarded, kinda like most of biz, but not way into the deep like GME of Chainl0nk or PEPE. You cant know whats best in terms of future gainz but you can know what can make you feel good/secure/etcIf i'll say 1 thing its this: learning aboit (corp) finance, corporate strategy, and macroeconomics has been most beneficial to me. In terms of being profitable. And even then my portfolio is still mostly broad market etf. Allworld+ emerging markets. Diversification is key.>>62432938Exactly. Its all about findimg a balance here. If I buy single stocks its usually 2% of my total portfolio. Exceptions are monopolies which you can safely (historically) allocate more to. Stocks and ETFs can go fuckin crazy as you know so dont be blinded by greed. One 2k lump sump can go such a long way. I've been up hundreds of % on some.stocks. That offsets losers bigly, and has made the risks worth it.
>>62433123>been up hundreds of % on some.stocksI was up 350% on fucking Walmart stock in like ~6 years.
>>62430031what are you a pussy? don't sell it, but short it to fuckin zero
>>62433251Yes
If it's just 5kput it into a 3x leveraged ETF and don't touch it for 20 years at east. Like TQQQ or TECLit might become some significant amount of money thenotherwise, best case, it becomes $10k in 5 years
>>62430261>>only 20% plus dividends in 9 months?thats less than inflation
