Pinit2winit
Pinit2winit
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November 4th, 2015 at 12:28:08 AM permalink
I have a roth where I can invest in whatever stocks I choose. Which would you consider best for longevity? Right now I just do a few mutual funds through usaa since trades are free. I won't be collecting it for 30 years and they won't manage my money for me until 25k.
HowMany
HowMany
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November 4th, 2015 at 6:52:30 AM permalink
Low cost market index ETFs.

Split among domestic equity, foreign developed equity, emerging markets, real estate (REITs), and perhaps a small percentage in treasury bonds.

Don't trade. Invest. You'll do very well over the span of 30 years.
wudged
wudged
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November 4th, 2015 at 8:30:09 AM permalink
I was hoping this was going to be a question about providing your own plan document and creating an IRA based on gambling wins/losses.
SOOPOO
SOOPOO
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November 4th, 2015 at 8:32:32 AM permalink
Quote: HowMany

Low cost market index ETFs.

Split among domestic equity, foreign developed equity, emerging markets, real estate (REITs), and perhaps a small percentage in treasury bonds.

Don't trade. Invest. You'll do very well over the span of 30 years.



Ditto. ETFs tend to be cheaper than mutual funds.
teddys
teddys
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November 4th, 2015 at 10:43:21 AM permalink
Quote: HowMany

Low cost market index ETFs.

Split among domestic equity, foreign developed equity, emerging markets, real estate (REITs), and perhaps a small percentage in treasury bonds.

Don't trade. Invest. You'll do very well over the span of 30 years.

+1

Don't bother with individual trades. Maybe set up a small sandbox for yourself where you can fool around with stocks you like, such as casino stocks. Maybe 20% of your overall portfolio.

As far as ETF's, a lot of the mutual funds are as cheap as the ETF's now. There's been a lot of price discovery in the funds market. But ETFs are still the better choice since you can trade them whenever. (Small difference.)
"Dice, verily, are armed with goads and driving-hooks, deceiving and tormenting, causing grievous woe." -Rig Veda 10.34.4
studmuffn
studmuffn
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November 4th, 2015 at 1:19:32 PM permalink
Also, many online brokers (such as TD Ameritrade) offer commission-free ETF trading and free re-investment of dividends (DRIP) into fractional shares of that stock. I should probably mix it up more, but my plan so far has been to plug my contribution into a low-expense commission-free ETF that tracks the total market and then fuhgettaboutit
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