Lifefuel / Motivation Getting a LARGE amount of money when I'm 18, investment tips?

[HerculesJr.]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

 

[HerculesJr.]

Bump

 

[Penalizer69]

I'm not smart but wouldn't you put the majority of it in a savings account? You should have one already anyway. Don't try to live off of this money, get a job just as you would anyways. Maybe just leave a 1k to play around with? Clothes, hobbies, looksmaxxing, whatever.

If you wanna invest then do your own research, looksmaxxing forums full of teens probably won't be of much service

 

[HerculesJr.]

I'm not smart but wouldn't you put the majority of it in a savings account? You should have one already anyway. Don't try to live off of this money, get a job just as you would anyways. Maybe just leave a 1k to play around with? Clothes, hobbies, looksmaxxing, whatever.

If you wanna invest then do your own research, looksmaxxing forums full of teens probably won't be of much service

In retrospect this will probably be the best take. Either saving the cash or putting it in other places. Dividing it up.

When I saw lifemaxxing I thought it would be worth a try asking anyway.
Cheers

 

[emeraldpill]

Just buy an etf tbh

 

[HerculesJr.]

Just buy an etf

Etf?

 

[xalapa]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

send me the 70k ill flip it for you and give it back trust me please

 

[HerculesJr.]

send me the 70k ill flip it for you and give it back trust me please

You didn't invite me to the bat mitzvah. It's over for you bro.

 

[emeraldpill]

Etf?

Exchange traded fund, it’s basically an investment fund managed by a large asset manager like blackrock that’s traded on a stock exchange like LSE or NYSE so anyone can buy a part of it

There’s loads of different types passive and active and different sectors etc, and most of them have super low fees because such a huge volume of people buy them especially the funds managed by larger AMCs

You don’t seem to be that experienced in it if you’re asking this so you don’t want to try anything ‘active’ out (not with a large proportion of your capital anyway) that you haven’t had a good amount of research and experience in. You just want something you can put money into and get a half decent return at least for now

Of course do your own research but look at anything tracking sp500, FTSE 100, Nasdaq, all world, etc for pretty safe options. Since you’re 18 you don’t need to take out dividends to support yourself so go for accumulating (Acc) rather than distributing (Dist) so that you can benefit more from compound interest long term

 

[HerculesJr.]

Exchange traded fund, it’s basically an investment fund managed by a large asset manager like blackrock that’s traded on a stock exchange like LSE or NYSE so anyone can buy a part of it

There’s loads of different types passive and active and different sectors etc, and most of them have super low fees because such a huge volume of people buy them especially the funds managed by larger AMCs

You don’t seem to be that experienced in it if you’re asking this so you don’t want to try anything ‘active’ out (not with a large proportion of your capital anyway) that you haven’t had a good amount of research and experience in. You just want something you can put money into and get a half decent return at least for now

Of course do your own research but look at anything tracking sp500, FTSE 100, Nasdaq, all world, etc for pretty safe options. Since you’re 18 you don’t need to take out dividends to support yourself so go for accumulating (Acc) rather than distributing (Dist) so that you can benefit more from compound interest long term

I knew there was some merit to putting this question on lifemaxxing. Thank you very much, I'll take this comment and put it in my notes.

 

[HerculesJr.]

It’s late here but happy to answer any questions you have tomorrow

Alright. Later I'll probably ask what corporations in specific might be good to invest money in (My father made a good amount off of Nvidia back in the summer), but at that point I feel like I'd likely be crossing past the point where anyone on this board could help me.

 

[retarded]

what etjnic group

 

[HerculesJr.]

what etjnic group

id say but you would all prob be rlly mean to me and so I don't wanna

 

[Polgrevtskapos]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

i think your young enough where you can afford to ride out the lows of the s&p500

 

[retarded]

id say but you would all prob be rlly mean to me and so I don't wanna

yeah why didnt i realize u were a jew from the getgo

 

[HerculesJr.]

yeah why didnt i realize u were a jew from the getgo

🫩

 

[HerculesJr.]

i think your young enough where you can afford to ride out the lows of the s&p500

Why the s&p500 in specific? Have you success with it?

 

[Rm24]

Where do you live i wanna come right now

 

[HerculesJr.]

Where do you live i wanna come right now

 

[Ghoultune]

I’m Stealing z your Identity

 

[SASALELE]

my investing tip is to not ask the people of this forum for investing tips

 

[SASALELE]

Being on this forum has no bearing on financial literacy

I didnt say. Many people on this forum are of lesser intelligence. You are a great example.

 

[SASALELE]

I gave actual advice

Just buy an etf tbh

 

[SASALELE]

@SASALELE if u keep reading I explain more, of course your walnut of a brain can’t comprehend more than 19 words in a sentence

Guy clearly has no clue what he’s doing, anything requiring active management on his part would be asking to lose money

Retarded bitch

calm down buddy everything will be okay

 

[HerculesJr.]

@SASALELE if u keep reading I explain more, of course your walnut of a brain can’t comprehend more than 19 words in a sentence

Guy clearly has no clue what he’s doing, anything requiring active management on his part would be asking to lose money

Retarded bitch

 

[HerculesJr.]

Wasn’t a dig at you btw

Oh alr

phew

 

[HerculesJr.]

What's your take then?

 

[Polgrevtskapos]

Why the s&p500 in specific? Have you success with it?

its just historically gone up consitently over time and it would yield better results than a HYSA. I would put 80% into s&p500 and 20% in HYSA but thats just me.

and yes, im up 12% over 6 months (most of that from s&p500)

 

[Vampi]

I'm not smart

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[foidslayer]

I'm not smart but wouldn't you put the majority of it in a savings account? You should have one already anyway. Don't try to live off of this money, get a job just as you would anyways. Maybe just leave a 1k to play around with? Clothes, hobbies, looksmaxxing, whatever.

If you wanna invest then do your own research, looksmaxxing forums full of teens probably won't be of much service

if i was him id also invest some of it

 

[majorleagueswag]

Not sure your country but open up a brokerage that allows you to invest in American equities, diversify it like this:

30% VOO (or some sp500 etf)
20% Gold (something like OUNZ that holds actual physical gold, as long as china and india central banks are buying gold this is fine to hold once they stop you can sell).
30% Berkshire Hathaway B class (this is the ai-bubble safety net)
20% NOBL (an etf with dividend growing companies)


If you can't do that then just do STOXX and something like SSREY and gold.



Instead of just putting it all in at once, put your money into a high yield savings account and move $2k/mo into stocks. This helps in case we are in a market top and the market crashes, you will still be buying in as it crashes for a cheaper price and once it recovers you make a nice profit.

 

[emeraldpill]

Not sure your country but open up a brokerage that allows you to invest in American equities, diversify it like this:

30% VOO (or some sp500 etf)
20% Gold (something like OUNZ that holds actual physical gold, as long as china and india central banks are buying gold this is fine to hold once they stop you can sell).
30% Berkshire Hathaway B class (this is the ai-bubble safety net)
20% NOBL (an etf with dividend growing companies)


If you can't do that then just do STOXX and something like SSREY and gold.



Instead of just putting it all in at once, put your money into a high yield savings account and move $2k/mo into stocks. This helps in case we are in a market top and the market crashes, you will still be buying in as it crashes for a cheaper price and once it recovers you make a nice profit.

Lump sum typically beats dca and he’s young enough that it’s not gonna cripple him in the case it doesn’t

 

[tonisworld]

Dnr, invest in my looks maxxing company bro I got you haha

 

[muscipla]

send me a couple racks twin

 

[tonisworld]

Dnr, invest in my looks maxxing company bro I got you haha

Nah I'm kidding but congrats bro. I say downpayment for a house. Houses always appreciate b

 

[majorleagueswag]

Lump sum typically beats dca and he’s young enough that it’s not gonna cripple him in the case it doesn’t

with lump sum timing matters. if you did lump sum back in 1999 you'd be down like 40% for nearly a decade.
if there's an ai bubble and market corrects, he's going to be sitting at $50k instead of $70k for quite a few months.

 

[emeraldpill]

with lump sum timing matters. if you did lump sum back in 1999 you'd be down like 40% for nearly a decade.
if there's an ai bubble and market corrects, he's going to be sitting at $50k instead of $70k for quite a few months.

Yeah but in 1999, you wouldn’t have the hindsight you do now
You can’t tell the future

And like I said, he’s young enough that in the case lump sum doesn’t work out, he’s fine anyway

 

[majorleagueswag]

Yeah but in 1999, you wouldn’t have the hindsight you do now
You can’t tell the future

And like I said, he’s young enough that in the case lump sum doesn’t work out, he’s fine anyway

exactly we can't tell the future so don't do a lump sum. historically DCA investing kept you safe during corrections.

 

[emeraldpill]

exactly we can't tell the future so don't do a lump sum. historically DCA investing kept you safe during corrections.

Historically dca makes you less money

And you keep dodging the point of his age, nobody at 18 should care about being as safe as possible unless he has to rely entirely upon his savings to live

 

[majorleagueswag]

Historically dca makes you less money

And you keep dodging the point of his age, nobody at 18 should care about being as safe as possible unless he has to rely entirely upon his savings to live

1) historically ur right lump sum will beat it out, except for rare times you're in a bubble. we don't know if we're in a bubble or not, so it's really up to this risk tolerance
2) he's young so whatever he does long term will be fine. but i wouldn't' make big moves in this market i'd be cautious. everyone especially young guys like checking their balance, i don't want him in another dot com bubble sitting at $45k for 5 years when he started at $70k

 

[2R0I2P0]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

tph invest everything in government securities with a fixed amount of another 10 years .

i think you are Canadian for what you are saying sounds like a first nation arrangement, their securities are shit so i recommend looking for a country like the USA T10 (treasury bonds), yearly yields are decent around 4.5 percent every year so youll be up 40% in 10 years.

not outperforming the market but outperforming normal inflation. If you are not into finances and or checking your portfolio don't invest in the normal market, youll sell early or buy too late as your ability to invest and do the math is not the best as you are not experienced. but if you want a little bit more yield i say use the 70/30 heuristics rule seventy in govt securities, and thirty percent in a commodities based enterprise or dividend yield companies, for example Pfizer Coca-Cola , dominion, this means that they'll give you a percentage of the profits if you need some stable cash coming in, but as told before just sit on the money.

in general that's something i recommend you do, but if you are going to invest in something invest in the entire sector not in specif companies if yo are sure you want more profit but here are my main giveaways.

govt debt or securities (very safe option low to medium risk depending on the gvt credit rating)
they also asssure that you don't sell early as they penalize you a lot.

i saw that @emeraldpilled recommended you to buy an etf (electronic trust fund) they replicate the market movements it is a good option but it is up to the market this year it is expected to be up 10%, i would tell you to wait until the next big fall in securities if you want to buy in. basically in the next trimester whenever the publish results and talk about lowering or upping interest rates, that is the first big risk getting in and out you don't want to buy high and sell low this strat is (medium risk)


and what i recommend is having a mixed portafolio in govt debt and dividend heavy companies so yuo diversify and can have a stable "income" from it.

 

[2R0I2P0]

Why the s&p500 in specific? Have you success with it?

it's the 500 biggest companies in the usa, it is a heuristics trading strategy you bet on the market as a whole.

 

[Bloxy]

cs2 knife

 

[rand anon]

A s&p 500 etf

 

[HerculesJr.]

Nah I'm kidding but congrats bro. I say downpayment for a house. Houses always appreciate b

I remember my dad recommended that we all (my 3 brothers and I) contribute to just buying a big ass condo downtown and we just all live there.
Sounds like something out of a slice of life TV show or anime, and tbh I wouldn't mind that. But at the same time we're all probably not even gonna work in the city

 

[- Adrian -]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

Etfs are discounted with 5% rn

 

[thelavo]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

70k on a car that depreciates in value? fuck no
real estate if you can, then rent that real estate to other people for continuous profit.

certified jew here

 

[thelavo]

I remember my dad recommended that we all (my 3 brothers and I) contribute to just buying a big ass condo downtown and we just all live there.
Sounds like something out of a slice of life TV show or anime, and tbh I wouldn't mind that. But at the same time we're all probably not even gonna work in the city

what if you 3 get a family you jsut life all 3 families together?

 

[thelavo]

what if you 3 get a family you jsut life all 3 families together?

wouldnt work

 

[True_Fakecell]

To cut to the chase. Essentially my country gives me $70,000 when I turn 18 and "come of age". It's something to do with the ethnic group I'm technically a part of still being owed money by the British Crown.
I won't get too much into specifics because I doubt its that interesting compared to what I'm trying to ask.


I'm planning to spend some of it on a car, and invest the rest. But at the same time, I'll still be an 18 year old with almost 100,000 dollars! So I'm a bit worried on WHAT I'll end up using it for. Hopefully not blowing it on something stupid.

And my main goal with this post is to ask what industries/startups/whatevers would be good to invest in right now as well as, say, about a year from now?
I'm trying to use this opportunity to grow me and my family's wealth. Yk?

You should invest 100% of your money into me