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<blockquote data-quote="Australia Sucks" data-source="post: 1293865" data-attributes="member: 11806"><p>Roosh it just seems bizzare to me that anybody with your level of business savvy would take the easy option of investing in cash long-term when its been proven to be a losing investment over the long run. I know you are aware of how the fiat system works and how cash loses value over time when taking into account income taxes and inflation. Are you so rich that you don't need to worry about your capital losing value?</p><p></p><p>I do understand your point of avoiding stress but there are so many low maintenance things you could invest in (albeit with some risk of course) which would only be marginally stressful. For a man who preaches self improvement and taking the hard (but rewarding) road for most endeavors in life why are you taking the easy way out in this case? </p><p></p><p>Especially given how important financial freedom is to happiness and health. </p><p></p><p>There are robo advisers if you wish and its easy enough to build a a diversified set and forget type portfolio of well diversified assets that will give you a positive return in most years. </p><p></p><p></p><p>Or something like the Harry Browne permanent portfolio strategy does take a little bit of work every year for rebalancing, tax reporting, etc. But basically it will give you a long term rate of return much higher than cash with smooth returns and minimal volatility. Even during the 2008 financial crises following this strategy you would have had a maximum drawdown of less than 15% (and fully recovered the losses in less than 18 months).</p><p></p><p><a href="https://finpage.blog/2019/01/05/harry-brownes-permanent-portfolio-2018-update/" target="_blank">https://finpage.blog/2019/01/05/harry-brownes-permanent-portfolio-2018-update/</a></p><p></p><p><a href="http://www.lazyportfolioetf.com/allocation/harry-browne-permanent/" target="_blank">http://www.lazyportfolioetf.com/allocation/harry-browne-permanent/</a></p><p></p><p>Described in the above two links is the original strategy which is 25% gold ETF, 25% U.S. stock market ETF, 25% short-term bonds (or cash or short term treasuries depending on the version that the investor implements) and 25% long-term bonds. </p><p></p><p>If you would to get more sophisticated but keeping the same underlying principal intact you can diversify your money more instead of being in just 4 buckets you could have a lot more buckets by adding various precious metals and commodities ETFs, REIT ETF, peer to peer lending, international and emerging market share ETFs, etc. But you do not necessarily need to all that. The original strategy is simple and works well enough.</p><p></p><p>There are even ready to go managed funds which implement the strategy for you albeit with higher costs/fees.</p></blockquote><p></p>
[QUOTE="Australia Sucks, post: 1293865, member: 11806"] Roosh it just seems bizzare to me that anybody with your level of business savvy would take the easy option of investing in cash long-term when its been proven to be a losing investment over the long run. I know you are aware of how the fiat system works and how cash loses value over time when taking into account income taxes and inflation. Are you so rich that you don't need to worry about your capital losing value? I do understand your point of avoiding stress but there are so many low maintenance things you could invest in (albeit with some risk of course) which would only be marginally stressful. For a man who preaches self improvement and taking the hard (but rewarding) road for most endeavors in life why are you taking the easy way out in this case? Especially given how important financial freedom is to happiness and health. There are robo advisers if you wish and its easy enough to build a a diversified set and forget type portfolio of well diversified assets that will give you a positive return in most years. Or something like the Harry Browne permanent portfolio strategy does take a little bit of work every year for rebalancing, tax reporting, etc. But basically it will give you a long term rate of return much higher than cash with smooth returns and minimal volatility. Even during the 2008 financial crises following this strategy you would have had a maximum drawdown of less than 15% (and fully recovered the losses in less than 18 months). [URL]https://finpage.blog/2019/01/05/harry-brownes-permanent-portfolio-2018-update/[/URL] [URL]http://www.lazyportfolioetf.com/allocation/harry-browne-permanent/[/URL] Described in the above two links is the original strategy which is 25% gold ETF, 25% U.S. stock market ETF, 25% short-term bonds (or cash or short term treasuries depending on the version that the investor implements) and 25% long-term bonds. If you would to get more sophisticated but keeping the same underlying principal intact you can diversify your money more instead of being in just 4 buckets you could have a lot more buckets by adding various precious metals and commodities ETFs, REIT ETF, peer to peer lending, international and emerging market share ETFs, etc. But you do not necessarily need to all that. The original strategy is simple and works well enough. There are even ready to go managed funds which implement the strategy for you albeit with higher costs/fees. [/QUOTE]
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