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Topic: What have you invested since the recession and how are they doing? (Read 1823 times)

donator
Activity: 784
Merit: 1000
Gold, stocks, real estate, bitcoin.
Bitcoin has gained much more than the first three in my list.
hero member
Activity: 700
Merit: 500
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing

i invested in btc and lost out for sure, i actually lost it cuz i accidentally hit max bet on Just Dice. i transferred it all over there as a panic move because cex.io introduced futures and i had no place to send it to fast at the time and i basically lost 6 or 7 btc total(all i mostly had).

now i am earning btc back with ad campaigns, give it a try!
newbie
Activity: 28
Merit: 0
Havent invested shit as I dont have enough stuff to risk with.
full member
Activity: 164
Merit: 100
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing

Many investors got wipe out and went under water during 2008.

I wouldn't expect those who get wipe out badly will trust the system easily again.
sr. member
Activity: 434
Merit: 250
Loose lips sink sigs!
Stocks and mutual funds mostly. Last year was fantastic, I earned close to 30%, this year has been a slog, barely making 5%.

It's a tough time right now in the US stock market, things could be slow for a while or some good news could keep the market humming along. I'd be happy with 10% a year. The International (non US) stock market has been worse for a lot longer.

Bitcoin offers a nice alternative, for folks that have the stomach.
member
Activity: 62
Merit: 10
Back to op
Palladium has been a great investment, during 2008 it dropped to $200, currently its at the upper $900s. It's future looks extremely bright as its a crucial material needed in pollution control devices (Catalytic Converters)
sr. member
Activity: 476
Merit: 250
One thing I should add, I have been shifting a higher percentage of my TIA to emerging markets, especially Africa and other areas with expected high demographic growth. A lot of the stock market gains of the 20th century was fueled by demographic growth, as opposed to economic growth. With demographic growth now stagnant or negative in most developed economies, it seems to me that investing in places with expected high demographic growth is the only way to keep a get a good exposure to that area of growth.
Phoenix housing market is hitting a plateau. it was one of the leading bubbles during the last recession.another bubble?
Many of the real estate markets that saw the greatest price appreciation during the last bubble (and the greatest price declines in the crash) are now seeing very rapid price appreciation. Generally speaking a plateau is not the sign of a bubble but rapid price appreciation is.
sr. member
Activity: 364
Merit: 250
Quote
in the past five years alone, there have been many moments where the market can be interpreted either way.
No, the market has been a bull market for that entire time. We are in a bull market now, and I will let you know when we reach a bear market.
sr. member
Activity: 378
Merit: 250
One thing I should add, I have been shifting a higher percentage of my TIA to emerging markets, especially Africa and other areas with expected high demographic growth. A lot of the stock market gains of the 20th century was fueled by demographic growth, as opposed to economic growth. With demographic growth now stagnant or negative in most developed economies, it seems to me that investing in places with expected high demographic growth is the only way to keep a get a good exposure to that area of growth.
Phoenix housing market is hitting a plateau. it was one of the leading bubbles during the last recession.another bubble?
sr. member
Activity: 364
Merit: 250
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
because you never know when it's "low" or "high" regardless of how high or low it really is.
True, attempting to time the market is always risky business. But a bear market is easily defined and even easier to spot, so it's not hard to buy in a bear market. Don't be too concerned with buying at the absolute low or selling at the absolute high.
No. You can't identify the "real" bear or bull market, just like you can't determine whether today's price is low, or high. in the past five years alone, there have been many moments where the market can be interpreted either way.
Yes, you certainly can.
sr. member
Activity: 364
Merit: 250
One thing I should add, I have been shifting a higher percentage of my TIA to emerging markets, especially Africa and other areas with expected high demographic growth. A lot of the stock market gains of the 20th century was fueled by demographic growth, as opposed to economic growth. With demographic growth now stagnant or negative in most developed economies, it seems to me that investing in places with expected high demographic growth is the only way to keep a get a good exposure to that area of growth.
sr. member
Activity: 378
Merit: 250
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
because you never know when it's "low" or "high" regardless of how high or low it really is.
True, attempting to time the market is always risky business. But a bear market is easily defined and even easier to spot, so it's not hard to buy in a bear market. Don't be too concerned with buying at the absolute low or selling at the absolute high.
No. You can't identify the "real" bear or bull market, just like you can't determine whether today's price is low, or high. in the past five years alone, there have been many moments where the market can be interpreted either way.
sr. member
Activity: 364
Merit: 250
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
because you never know when it's "low" or "high" regardless of how high or low it really is.
True, attempting to time the market is always risky business. But a bear market is easily defined and even easier to spot, so it's not hard to buy in a bear market. Don't be too concerned with buying at the absolute low or selling at the absolute high.
sr. member
Activity: 378
Merit: 250
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
because you never know when it's "low" or "high" regardless of how high or low it really is.
legendary
Activity: 966
Merit: 1004
CryptoTalk.Org - Get Paid for every Post!
Banks.Not American banks, however.Primary industry.
Can someone tell me which bank pays the best interest? And I don't mean in any specific country, but worldwide.
Investing in bank deposits overseas is something that is very risky. In the US your deposits are insured by the FDIC up to $250,000 so if the bank were to fail you would be made whole. The same is not true for banks in most of the rest of the world. Even when countries have similar deposit insurance programs, the government that backs the bank insurance is nowhere near as strong financially so your funds would still be at great risk.

To answer your question, it would likely be banks in Iran, as if reports that I have read on here are correct, pays interest well into the double digits. My understanding of the reasons behind this are due to the fact that it is very difficult for Iran banks to get dollars due to US and other countries sanctions against Iran. By depositing money in banks in Iran you would not only face the risks mentioned above but would also face potential criminal charges for violating sanctions, and have moral risks that the money you use could potentially be used to finance Iran building nuclear weapons and terrorism.
full member
Activity: 182
Merit: 100
KryptKoin is one of the best!!!
Banks.Not American banks, however.Primary industry.
Can someone tell me which bank pays the best interest? And I don't mean in any specific country, but worldwide.
legendary
Activity: 966
Merit: 1004
CryptoTalk.Org - Get Paid for every Post!
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
The likely reason that people tend to do the opposite like this is because of emotion. When many/most people are fearful there is a reason to be afraid, the same applies to greed. Since, in a capitalistic economy people need to work for their money, if there is a reason for people to be afraid for their money they likely will as they cannot afford to lose their investment and not blink an eye.
sr. member
Activity: 994
Merit: 441
what about rhodium?
http://www.bloomberg.com/news/2014-0...ince-2009.html

since that last bloomberg clip 2 weeks ago rhodium has surged another $200 an ounce to ¢1450 now beating gold per ounce

with the 5 month miner strike and surge in car sales, I expect some days of $50 per ounce leaps and possible peaking at $1600 to $1700 in a week or two before a mid term lull. (s. african rhodium miners on strike, and car sales many with catalytic converters using rhodium)

with its volatility I may cash in my hoard and make a quick $10k then wait to buy several 5 oz bars if the prices dip back at $1300 or even $1200, probably won't though the forecast is for growth through to 2017

a kilo of gold should soon be got for under $40k soon, and if it dips much lower, it might be worth a punt, with low spreads of 2%
sr. member
Activity: 448
Merit: 250
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
I agree 100%. I've had to strongly encourage investors to not panic and sell during bear market conditions ("But what if it goes even lower?!"). It can be painful to watch someone lose a good chunk of the returns on their savings because of said panic. Then again, I am younger and can afford the perceived risk more.
sr. member
Activity: 364
Merit: 250
real estate, stocks, anything?

the recession dealt quite a bit of damage to me. so i chickened out and mostly missed the boat.

i guess i will catch up with ya on the next downswing
I buy and hold index funds, so my performance has been almost exactly the same as the market. But I started a new, higher paying job in September 2008, so I had a lot of free cash flow and put every red cent I had into stocks (through index funds) when they were cheap. I timed the market in that respect.

I don't own any real estate, bonds or bond funds, individual stocks, precious metals, or anything else. The simple reason is that they are either more expensive, more work or have weaker performance than stocks, or all three (for example, in the case of real estate).
But of you bought a house you could live in it while waiting for it to turn profit. A house holds value a lot better than stocks. And even if the value goes down to a worthless level, you can still make use (and profit) of it unlike stocks .The key question is, when did you start investing
A residence is a nonperforming asset. It does not generate any profit. And the rate of return on residential real estate is vastly inferior to stocks--about half in real numbers, even lower in real return. That's not to mention the lack of liquidity in residential real estate and all of the taxes, upkeep, insurance, etc. It is also, as many learned in the past 6 years, among the least diversified and most risky ways to hold capital. 1992, but in a more serious way in 1996.

Residential real estate does provide a rental yield (profit), which can be attributed to a homeowner's returns. But real estate investors have a lot of delusion about the superiority of their (inferior) assets. Public equity does outperform residential real estate, and especially on a risk-adjusted basis, given the lack of scope for diversification in real estate investments.
The psyche of the average investor is a strange thing. Everyone knows that you should buy low and sell high and, as Buffett is always quoted, be greedy when everyone is scared and scared when everyone is greedy. But in practice people tend to do the exact opposite. They tend to be willing to take on more risk and buy more stock when prices are high, when they should be eating up risk in bear markets instead. The one good thing is it creates opportunities for bear market buyers.
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