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  1. #8101
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    Dec 2002
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    Quote Originally Posted by babybear View Post
    m series jong thinks he's wicked smaht
    New economic theory - M series.

  2. #8102
    Join Date
    Oct 2003
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    Big in Japan
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    38,099
    They had plenty of troubles in the early twentieth century, especially after they lost WW1 and were saddled with reparations. Britain and America were much stronger, and together comprised a massive empire that Germany could only envy. Germany was losing population to America. And their economy, hell, the entire state would be shit after WW2 if we weren't generous with the Marshall plan, which was just setting up an economic wall up against Soviet dominated eastern Europe. They do make damn nice cars, though. But their banks suck.

    Let's do some livin'
    After, we die

  3. #8103
    Join Date
    Nov 2005
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    Down In A Hole, Up in the Sky
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    25,969
    StokePimpin' ain't easy

  4. #8104
    Join Date
    Aug 2016
    Posts
    2,183
    Brain trust doesn’t see who m-series is? Par for the course.

    germany went off rationing before the UK did post ww2. UK economy was shit, compared to the mainland, until they joined the common market.

  5. #8105
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    Oct 2003
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    Big in Japan
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    Quote Originally Posted by rideit View Post
    At first I would say, no way our banks would get nailed, but, then again, Jamie Dimon was a big investor in WeWork.

    Let's do some livin'
    After, we die

  6. #8106
    Join Date
    Oct 2003
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    slc
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    11,239
    Who has an invested HSA (ideally, through HealthEquity)? Mine is not currently invested but I have enough money in it now that I feel like I should. The goal with investing it would just be to keep up with inflation and not chase big returns. Not losing money is the priority. What's the best strategy here? Looks like I have about 20 various Vanguard funds to choose from.

  7. #8107
    Join Date
    Dec 2016
    Location
    In a van... down by the river
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    4,558
    Quote Originally Posted by Dantheman View Post
    Who has an invested HSA (ideally, through HealthEquity)? Mine is not currently invested but I have enough money in it now that I feel like I should. The goal with investing it would just be to keep up with inflation and not chase big returns. Not losing money is the priority. What's the best strategy here? Looks like I have about 20 various Vanguard funds to choose from.
    Probably want to avoid stock funds at this point...

  8. #8108
    Join Date
    Aug 2006
    Posts
    5,501
    I like the three fund plan as outlined here for stuff like this: https://www.bogleheads.org/forum/viewtopic.php?t=88005

    I assume you have enough in there that this will be a long term play for later in life health expenditures, so can weather a downturn or two prior to your anticipated use without keeping you up at night. Increase/decrease your bond allocation percentage to suit your risk tolerance otherwise.
    Live Free or Die

  9. #8109
    Join Date
    Sep 2004
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    LV-426
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    16,224
    Quote Originally Posted by Dantheman View Post
    Who has an invested HSA (ideally, through HealthEquity)? Mine is not currently invested but I have enough money in it now that I feel like I should. The goal with investing it would just be to keep up with inflation and not chase big returns. Not losing money is the priority. What's the best strategy here? Looks like I have about 20 various Vanguard funds to choose from.
    I had mine through Health Equity, and selected a Vanguard 500 fund. I changed positions and am no longer HSA-eligible, so when that happened, I moved from Health Equity to Lively -- lower fees, still investment options.

    You stated you do not want to "lose money" in the HSA - I assume you mean short term? i.e., you want to have the HSA money available to pay med bills in the next couple of months/years?
    Quote Originally Posted by powder11 View Post
    if you have to resort to taking advice from the nitwits on this forum, then you're doomed.

  10. #8110
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    Oct 2003
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    slc
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    Quote Originally Posted by El Chupacabra View Post
    You stated you do not want to "lose money" in the HSA - I assume you mean short term? i.e., you want to have the HSA money available to pay med bills in the next couple of months/years?
    Low risk tolerance, minimize principal losses if the market crashes. For now, I just want it to earn enough interest that the current value isn't being slowly eaten away by inflation. I'm going to max out contributions this year, but that's all going to go towards my wife's upcoming knee replacement.

  11. #8111
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    Quote Originally Posted by Dantheman View Post
    Low risk tolerance, minimize principal losses if the market crashes. For now, I just want it to earn enough interest that the current value isn't being slowly eaten away by inflation. I'm going to max out contributions this year, but that's all going to go towards my wife's upcoming knee replacement.
    If you're going to spend the HSA money in the short term (planned knee surgery), then you probably just want to keep it in a money market account. Inflation is around 2% currently, I think.
    Quote Originally Posted by powder11 View Post
    if you have to resort to taking advice from the nitwits on this forum, then you're doomed.

  12. #8112
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    There's a no-interest payment plan set up for the surgery, which is going to cost us a little under $7k. Contributions will go in, payments will go out, and the current balance should remain basically unchanged throughout the year.

  13. #8113
    Join Date
    Dec 2016
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    In a van... down by the river
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    4,558
    Quote Originally Posted by Dantheman View Post
    There's a no-interest payment plan set up for the surgery, which is going to cost us a little under $7k. Contributions will go in, payments will go out, and the current balance should remain basically unchanged throughout the year.
    But to clarify - you want to be able to pull from the full balance if need be?

    If I'm interpreting your want/need for this correctly, you should avoid equities for this money.

  14. #8114
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    Quote Originally Posted by skaredshtles View Post
    But to clarify - you want to be able to pull from the full balance if need be?
    Yes, separate individual/family deductibles, so if me and/or the kid get mangled in a car wreck or something I want to have access to the money that's currently there.

  15. #8115
    Join Date
    Aug 2006
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    5,501
    I would go money market then as others have stated.
    Live Free or Die

  16. #8116
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    Sep 2004
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    Quote Originally Posted by mf45e0 View Post
    You can get 8.6% on GUSD or USDC (digital USD stablecoins) on blockfi deposits. They pay 6.2% on BTC deposits up to 10BTC as well. Probably not an option for funds specific to HSA but there are decent yield options for cash.

    fwiw I use em & have had good service. They're a mid-age startup based in NYC.
    May I suggest instead investing with Wu Tang Financial?
    Quote Originally Posted by powder11 View Post
    if you have to resort to taking advice from the nitwits on this forum, then you're doomed.

  17. #8117
    Join Date
    Sep 2007
    Location
    tetons
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    Click image for larger version. 

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    skid luxury

  18. #8118
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    Mar 2006
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    15,284

    Is the stock market going to tank?

    10y low XOM

  19. #8119
    Join Date
    Nov 2010
    Location
    RF Valley
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    41
    Quote Originally Posted by 4matic View Post
    10y low XOM
    You sure about that? Not from what I see.

  20. #8120
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    Mar 2006
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    Quote Originally Posted by mcove View Post
    You sure about that? Not from what I see.
    Previous monthly low in 2010

  21. #8121
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    Oct 2003
    Location
    Big in Japan
    Posts
    38,099

    Let's do some livin'
    After, we die

  22. #8122
    Join Date
    Mar 2006
    Posts
    15,284

    Is the stock market going to tank?

    Test of the breakout at SP 3000 is nothing. Might not get there. AAPL earnings tomorrow will likely provide a pivot either way. Lots of large cap stocks are breaking down so the indexes badly need the four horseman to carry the load.

    Edit: I suppose there could be another rotational correction with the switch to value finally happening.
    Last edited by 4matic; 01-27-2020 at 08:40 PM.

  23. #8123
    Join Date
    Jan 2009
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    Park City
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    3,258
    If a person had around 20k to move from an employer into a private fund what you people smarter than I suggest. The only thing is they want it to be almost immediately available to draw from if necessary but would like a nice chance at return.


    Sent from my iPhone using TGR Forums
    I rip the groomed on tele gear

  24. #8124
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    Nov 2007
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    Eburg
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    Quote Originally Posted by detrusor View Post
    If a person had around 20k to move from an employer into a private fund what you people smarter than I suggest. The only thing is they want it to be almost immediately available to draw from if necessary but would like a nice chance at return.
    IME, ultra-low fee broad market funds outperform (net costs and fees) everything else in the long term, unless you get lucky with a flyer. Re immediate withdrawal, that's a tax issue. General rule is that a penalty applies if you withdraw from a qualified plan or IRA before age 59-1/2 -- so, the question is "move to where?"

  25. #8125
    Join Date
    Mar 2006
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    15,284
    Quote Originally Posted by detrusor View Post
    If a person had around 20k to move from an employer into a private fund what you people smarter than I suggest. The only thing is they want it to be almost immediately available to draw from if necessary but would like a nice chance at return.


    Not clear. What is the time frame for withdrawal? If less than five years brokerage are now offering high cash value accounts.

    https://www.google.com/amp/s/www.bar...de-51565291732

    Rules:

    Define your time frame
    Define your risk.

    Switching timeframe and risk profile is one if the biggest mistakes investors make.

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