Row 59674

Row ID: 59674 | Dataset Entry | Axioma AXP Content Repository

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I think it’s worth thinking more about what you’re trying to achieve and why. Is your goal to protect your income should it stop? Is your goal to invest for long term growth? It’s also worth thinking about what time frame your investing for, different scenarios and how quickly you might need the money, also your attitude to risk (how will you feel if your money drops in value short term) and come up with a plan based on this.

If you want to shield yourself from loss of income then it makes sense to build up some cash savings as an emergency fund. My income is variable or subject to stopping for a few months with little notice so I have enough readily accessible cash to achieve this.

If you want to put the money away to grow over a longer term horizon then property or stocks are great. Property is typically more hassle to own and harder to liquidate. However owning a property you let is an asset as it’ll generate money, owning a second home only you use will only cost you money and not generate any cash flow, but you’ll always have the asset

Why have you picked 20% bonds? I’m assuming you’re relatively young, so you could lose long term growth doing this but it should be less subject to volatility.

Crypto is typically highly volatile so be prepared for huge fluctuations. If you’re ok with that and it fits your strategy / goals then go for it.

Personally I have a mix of assets for different purposes…

Cash for emergency fund.

Stock / equities for long term growth but easier to liquidate should I need to (I only invest in global tracker funds as I tried stock picking when I was young and learned I cannot beat the market - I do allocate a small amount to ‘play money’ but less than 5%).

Property for longer term investment 10-30 years and I can liquidate in 3-6 months if needed.

I personally don’t hold bonds as I am ok with the risk of equities dropping over my investing horizon and I’ve got a while left until I need to draw down so didn’t want to lose any potential growth.

You might also get some value from a fee based financial advisor just to help with your strategy / plan, they will likely try to manage your investments but you don’t need to do this. You are talking about investing a big chuck of money and it can be daunting when you start out but they will help you figure out what you want to do and why.

FieldValue
text I think it’s worth thinking more about what you’re trying to achieve and why. Is your goal to protect your income should it stop? Is your goal to invest for long term growth? It’s also worth thinking about what time frame your investing for, different scenarios and how quickly you might need the money, also your attitude to risk (how will you feel if your money drops in value short term) and come up with a plan based on this. If you want to shield yourself from loss of income then it makes …
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-23
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url_encoded Z0FBQUFBQm5Lak9vdE8xNW5VU1NIX0VfSDk5Tm9kbHllMXpuREJmZ3RmUG9XR0tZdndYeXg3VnJDQ0VzOVIySEdhdnJWX3Q0OXNGR1NDX2k0STJYY0dzakYwb0ltSkcyRDBmcGlOTXJ4U24wX0w4c3RhU05kUGJrYk5LQ1VNTWFxOENmWmowS1hhcnBtLTBHT1A2LXZuM2hlZDBMQ0t1VU9adVlobHhmZ2RGS3BVRjVDbmRtOS1jbnNyc19INHIwZEFtZEVyb1IyTmlxMlBnM2NvbjJORklNeXN6dVN3bzlXdz09

Raw Record

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  "text": "I think it’s worth thinking more about what you’re trying to achieve and why.  Is your goal to protect your income should it stop?  Is your goal to invest for long term growth?  It’s also worth thinking about what time frame your investing for, different scenarios and how quickly you might need the money, also your attitude to risk (how will you feel if your money drops in value short term) and come up with a plan based on this. \n\nIf you want to shield yourself from loss of income then it makes sense to build up some cash savings as an emergency fund. My income is variable or subject to stopping for a few months with little notice so I have enough readily accessible cash to achieve this. \n\nIf you want to put the money away to grow over a longer term horizon then property or stocks are great. Property is typically more hassle to own and harder to liquidate.  However owning a property you let is an asset as it’ll generate money, owning a second home only you use will only cost you money and not generate any cash flow, but you’ll always have the asset\n\nWhy have you picked 20% bonds?  I’m assuming you’re relatively young, so you could lose long term growth doing this but it should be less subject to volatility. \n\nCrypto is typically highly volatile so be prepared for huge fluctuations. If you’re ok with that and it fits your strategy / goals then go for it. \n\nPersonally I have a mix of assets for different purposes…\n\nCash for emergency fund. \n\nStock / equities for long term growth but easier to liquidate should I need to (I only invest in global tracker funds as I tried stock picking when I was young and learned I cannot beat the market - I do allocate a small amount to ‘play money’ but less than 5%).  \n\nProperty for longer term investment 10-30 years and I can liquidate in 3-6 months if needed. \n\nI personally don’t hold bonds as I am ok with the risk of equities dropping over my investing horizon and I’ve got a while left until I need to draw down so didn’t want to lose any potential growth. \n\nYou might also get some value from a fee based financial advisor just to help with your strategy / plan, they will likely try to manage your investments but you don’t need to do this. You are talking about investing a big chuck of money and it can be daunting when you start out but they will help you figure out what you want to do and why.",
  "label": "r/investing",
  "dataType": "comment",
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  "datetime": "2024-05-23",
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}
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