Current issues with the market - Any ideas on avoiding the end?

[mindlessobserver]

Current issue with the market: it is entire fake.

Fake and quite literally gay.

 

[thejackal]

Decent chance we open up on the indexes -3% from where we left off Friday when things open tmr. Already down about 2% on the Naz futures, 1.2% on SPX futures. Volatility measures going up as well. German's main market the DAX is currently down almost 5%.

 

[mindlessobserver]

Decent chance we open up on the indexes -3% from where we left off Friday when things open tmr. Already down about 2% on the Naz futures, 1.2% on SPX futures. Volatility measures going up as well. German's main market the DAX is currently down almost 5%.

What is interesting to me is while the crypto market is tracking with everything else it's doing it about 7 days ahead of the regular markets. That big crash in bitcoin value last month was about a week before the major market correction in January. Every time Crypto is down over the weekend the markets tend to go down the day they open. Benefit of always being tradeable I guess.

I have a feeling the crypto market will plunge before the markets do, and the usual suspects will blame crypto even though it's a miniscule part of the overall economy.

 

[thejackal]

What is interesting to me is while the crypto market is tracking with everything else it's doing it about 7 days ahead of the regular markets. That big crash in bitcoin value last month was about a week before the major market correction in January. Every time Crypto is down over the weekend the markets tend to go down the day they open. Benefit of always being tradeable I guess.

I have a feeling the crypto market will plunge before the markets do, and the usual suspects will blame crypto even though it's a miniscule part of the overall economy.

It is interesting that crypto seems to trade with general tech sentiment now. So much for it being a hedge. Something to watch.

Didn't really have the big red day the futures were predicting, currently down a few points on SPX, Naz is down about half a percent. Still, this is how bear markets are you usually don't have -3% day after -3% day, more like a slow drip followed by lower bounces and lower lows. Trend right now is down, you'd have to have your eyes closed not to see that.

 

[TheRedChair]

As I have always posted...

CASH.... IS KING...

I'm going to throw up a few things and this concerns the housing market which I've always have stated that it has been MANIPULATED by Zillow and other corporations.

This can only go so far and is the plethora of the usual SHORT TERM mind set.

Because of this here is the following.

1. Housing market stalls.

US home price growth stalls in the final month of 2021

Home price growth in the U.S. paused in the final month of 2021, but the full year logged in record gains.

finance.yahoo.com

2. Mortgage lenders being laid off.

Mortgage Businesses Seen Laying Off Thousands as Volume Drops

(Bloomberg) -- U.S. home mortgage lenders have spent much of the last two years hiring. Now they might have to spend the coming months laying workers off. Most Read from BloombergPorsches, Lamborghinis Lost at Sea May Cost VW $155 MillionU.S. Condemns Russian Move at UN, Reassures Kyiv: Ukraine...

finance.yahoo.com

3. The price of loans and yup they be increasing.

Feb. 21, 2022: Mortgage Rates Continue Upward Trend

This will eventually slow down this stupid MANIPULATED prices on homes. On yea its going to hurt a bit on my net worth, but I really don't give one shit about that. Because.

1. All of my investment property has been paid off.

2. I have NO bills.

3. I live within my means knowing there will be good times that you need to save up because you will know that bad times are ahead. I going down to to my local food store and go and pick up 20 pounds of hamburger that is on sale and put it in the freezer.

4. My long term financial planning pretty much takes care of bad dips in the market.

As stated before I am still looking for another place for me to live but it will be on MY TERMS,... Not the seller... Not the real estate agent... ME... Because I know the real cost of the market and I know that the higher the cost for the mortgage the better it will be for me...

Because I pay in CASH... and by playing in cash I save in thousands of dollars all of the worthless crap they add on a load such as points and other charges they add to the loan.

This is the power of planning your investments... It's not the fancy cars, nor the fancy vacations. It is the power to tell people to completely fuck off. Corporations do not own me. Nor does the government.

Money equates to freedom these days. I enjoy my freedom.

 

[Spasticus Autisticus]

Welp, the Feds inflation of the economy just detonated in the housing rental market. Almost 20% increase in costs this year compared to last year across 50 metro areas.

Rents reach 'insane' levels across US with no end in sight

Krystal Guerra’s Miami apartment has a tiny kitchen, cracked tiles, warped cabinets, no dishwasher and hardly any storage space. But Guerra was fine with the apartment’s shortcomings. It was all part of being a 32-year-old graduate student in South Florida, she reasoned, and she was happy to...

apnews.com

So fucking glad I bought a house last year. I even feel some smug justification for doing it so quickly and damn the torpedoes. Normally that is a brainlet move, but I could smell smoke. Welp, here is the fire.

If you look at the report from realtor.com that the article is based on, it's mostly in Sun Belt cities where the largest increases are occurring, while the big coastal metros have had small increases or even slight decreases. When you combine this with data on net domestic migration trends, it makes sense that percentage increases in rent are high in cities like Las Vegas, Jacksonville, San Bernardino, and Memphis, since they already had fairly low rents to start with, and have been increasing in population. The reverse makes sense too that San Francisco, San Jose, NYC, Washington DC have decreases or only tiny increases, since their rents shot up earlier in the 2010s but have been losing population in the last few years.

 

[mindlessobserver]

Holy shit a black swan just flew over my house!

 

[Stoneheart]

i bring message from my trading account

shits on fire, everything is on fire...

 

[Audit]

On the bright side, given the recent inflation and massive dip from the whole ukraine fiasco, you can probably make a few bucks right now by buying the dip if you've got any cash on hand. I doubt it's going to go much lower unless we're in for great depression 2 boogaloo.

 

[Overly Serious]

On the bright side, given the recent inflation and massive dip from the whole ukraine fiasco, you can probably make a few bucks right now by buying the dip if you've got any cash on hand. I doubt it's going to go much lower unless we're in for great depression 2 boogaloo.

Can I sneak in a quick question from an investing virgin? I understand buy low, buy the dip, etc. when it comes to stocks. But does this apply to funds? Like if I buy into a fund when the market is low (lets assume the stocks in the fund are affected) am I going to make more money same way as if I bought stocks directly? I guess another way to put it is when I buy into a fund am I actually getting "more" shares in the fund because the market is down than when it is up? Or does investing in a fund not work like that?

I have some modest savings not doing anything except getting eyed by the moths of inflation. I can invest for 5+ years. Is now a good time to start?

 

[Audit]

Can I sneak in a quick question from an investing virgin? I understand buy low, buy the dip, etc. when it comes to stocks. But does this apply to funds? Like if I buy into a fund when the market is low (lets assume the stocks in the fund are affected) am I going to make more money same way as if I bought stocks directly? I guess another way to put it is when I buy into a fund am I actually getting "more" shares in the fund because the market is down than when it is up? Or does investing in a fund not work like that?

I have some modest savings not doing anything except getting eyed by the moths of inflation. I can invest for 5+ years. Is now a good time to start?

On a long enough time scale, it's hard to go wrong with a safe ETF based on the S&P or a comparable stock indexes. I'd say now is as good a time as any. You can expect a few percent returns a year as dividends, which should cover some portion of inflation. Most of the gains will be from valuation increases of the companies. You can slowly put money into the market over a span of months if you think it's too volatile. As always, it's best to best when there's a dip, but you need to watch the tickers closely to spot a good "sale" because the market can be unpredictable over the short term. Personally, I doubt we'll see <4000 S&P400 again. It's close to 4400 right now, which is probably about right. It was below 4200 at the onset of the Ukraine invasion, so I and others made a few quick bucks on that dip.

 

[Overly Serious]

On a long enough time scale, it's hard to go wrong with a safe ETF based on the S&P or a comparable stock indexes. I'd say now is as good a time as any. You can expect a few percent returns a year as dividends, which should cover some portion of inflation. Most of the gains will be from valuation increases of the companies. You can slowly put money into the market over a span of months if you think it's too volatile. As always, it's best to best when there's a dip, but you need to watch the tickers closely to spot a good "sale" because the market can be unpredictable over the short term. Personally, I doubt we'll see <4000 S&P400 again. It's close to 4400 right now, which is probably about right. It was below 4200 at the onset of the Ukraine invasion, so I and others made a few quick bucks on that dip.

So funds work the same as stocks - they just function as bundles, really? I.e. if you buy in when the stocks inside are low you are getting more return on your investment than someone who bought in when they were high?

 

[Audit]

So funds work the same as stocks - they just function as bundles, really? I.e. if you buy in when the stocks inside are low you are getting more return on your investment than someone who bought in when they were high?

That's more or less correct. An ETF functions as a collection of stocks held in a common fund. You invest in the fund trusting that it's being managed well to match or exceed market averages. There will be an annual management fee which should be less than 0.10%. VOO (SP500 equivalent) and VTI (total stock market equivalent) are 0.03%. There are a few good companies that will provide an ETF. They should behave comparably for the most part.

 

[Overly Serious]

That's more or less correct. An ETF functions as a collection of stocks held in a common fund. You invest in the fund trusting that it's being managed well to match or exceed market averages. There will be an annual management fee which should be less than 0.10%. VOO (SP500 equivalent) and VTI (total stock market equivalent) are 0.03%. There are a few good companies that will provide an ETF. They should behave comparably for the most part.

Thanks for your patience with this. And apologies for the tangent in this thread - I thought it would be a quick answer. But I get the principle of a fund. I want to know how "buy the dip" works in relation to them. I'll try and put it as clearly as I can. Which of these two scenarios is correct?
A) I buy into a fund and my returns are a factor of the general performance of the fund same as everyone else.
B) I buy into a fund and my returns are better or worse than another person who invested the same amount based on whether the stocks in the fund were low or high at the time I bought in.

Is a fund basically just like a bundle of stocks (ignoring management fees) and its value goes up or down inline with those stocks. If I buy when the market is down am I getting more of the fund for the same amount of money than when the market is up. Just like I would get more shares for my money if a share price was down?

 

[Audit]

Thanks for your patience with this. And apologies for the tangent in this thread - I thought it would be a quick answer. But I get the principle of a fund. I want to know how "buy the dip" works in relation to them. I'll try and put it as clearly as I can. Which of these two scenarios is correct?
A) I buy into a fund and my returns are a factor of the general performance of the fund same as everyone else.
B) I buy into a fund and my returns are better or worse than another person who invested the same amount based on whether the stocks in the fund were low or high at the time I bought in.

Is a fund basically just like a bundle of stocks (ignoring management fees) and its value goes up or down inline with those stocks. If I buy when the market is down am I getting more of the fund for the same amount of money than when the market is up. Just like I would get more shares for my money if a share price was down?

Yes, that's more or less correct. Treat an ETF like a single stock whose value is closely pegged to the market. You can look at the composing stocks if you wish but it's not necessary for a casual investor. The value of a single share of the fund is dependent on market conditions. Your returns per share are the same as everyone else's contingent on the share price you bought in at. e.g. you bought 20 shares of VOO at $400. You have a 10% profit when you sell the shares at $440. You'd have a bigger profit if you'd bought in lower and less if you bought higher.

 

[Overly Serious]

Yes, that's more or less correct. Treat an ETF like a single stock whose value is closely pegged to the market. You can look at the composing stocks if you wish but it's not necessary for a casual investor. The value of a single share of the fund is dependent on market conditions. Your returns per share are the same as everyone else's contingent on the share price you bought in at. e.g. you bought 20 shares of VOO at $400. You have a 10% profit when you sell the shares at $440. You'd have a bigger profit if you'd bought in lower and less if you bought higher.

Thank you! That's exactly what I wanted to know. I'll look into funds then and pick out something reputable and lowish risk. I'm using investment calculators from a bank and it's not suggesting a very good return on investment but I guess it's better than nothing.

 

[Absolutetense]

Thank you! That's exactly what I wanted to know. I'll look into funds then and pick out something reputable and lowish risk. I'm using investment calculators from a bank and it's not suggesting a very good return on investment but I guess it's better than nothing.

Having a stable fund or even the S&P500 is a safe bet, at least one of the safest. If the S&P breaks down completely or dramatically there WILL be panic in the media about it.
It’s however as you said not a big return.
Safe bets less volatility.

The last 2 years I invested in stocks of the biggest energy-producers in the country.
People need more energy than ever and new ones will for sure not overtake the old ones in less than 10 years. That’s an example for how i would decide what kind of stocks instead of funds I’d invest in.

 

[Second Sun]

Is there any way for a foreigner to get in on this 20% ruble interest rate train, questions about war profiteering aside?

 

[Lady Bizness]

As I have always posted...

CASH.... IS KING...
...

1. All of my investment property has been paid off.

2. I have NO bills.

3. I live within my means knowing there will be good times that you need to save up because you will know that bad times are ahead. I going down to to my local food store and go and pick up 20 pounds of hamburger that is on sale and put it in the freezer.

4. My long term financial planning pretty much takes care of bad dips in the market.

As stated before I am still looking for another place for me to live but it will be on MY TERMS,... Not the seller... Not the real estate agent... ME... Because I know the real cost of the market and I know that the higher the cost for the mortgage the better it will be for me...

Because I pay in CASH... and by playing in cash I save in thousands of dollars all of the worthless crap they add on a load such as points and other charges they add to the loan.

This is the power of planning your investments... It's not the fancy cars, nor the fancy vacations. It is the power to tell people to completely fuck off. Corporations do not own me. Nor does the government.

Money equates to freedom these days. I enjoy my freedom.

You sound like my husband, and it's a stand I appreciate. Whatever the fuck the world around us is doing, we're good, even though we are humble people.

I have my own stock accounts and it drives him nuts, he thinks stocks are gay. He's got everything in savings, CDs etc. and the interest rates are frustratingly low. What do you do with your cash?

 

[eternal dog mongler]

I have my own stock accounts and it drives him nuts, he thinks stocks are gay. He's got everything in savings, CDs etc. and the interest rates are frustratingly low. What do you do with your cash?

That's a ridiculously safe portfolio unless your husband is nearing retirement or something. Or hedging against a crash, but plenty of people have lost out hedging against a crash that never came.