Silver vs CPI vs Stock Market

Discussion in 'Bullion Investing' started by Phil Ham, Feb 22, 2015.

?

Where are you investing most of your money?

  1. Bullion

    6 vote(s)
    17.6%
  2. US Equity Market

    23 vote(s)
    67.6%
  3. Global Equity Market

    3 vote(s)
    8.8%
  4. Real Estate

    0 vote(s)
    0.0%
  5. Bond Market

    0 vote(s)
    0.0%
  6. Money Market

    0 vote(s)
    0.0%
  7. Under Pillow

    1 vote(s)
    2.9%
  8. None of the Above

    1 vote(s)
    2.9%
  1. beef1020

    beef1020 Junior Member

    I'm in a pretty similar age range and am much more aggressive with retirement funds. I won't need them for 25-30 years, so as long as the US economy in general keeps doing well then my money is fine, and if it doesn't then retirement is out of the question anyway...
     
    Bman33 likes this.
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  3. medoraman

    medoraman Supporter! Supporter

    Rules of thumb like this are worth about as much as you pay for them. How much should be in equities depends a lot more than what you have in bonds.

    My only thinking along these lines are equities versus all fixed income assets, like real estate, bonds, inferred value of pensions or annuities, etc. Most people are underinvested in equities when they retire actually. Retirees have an expected lifespan of about 20 years, a very long time if you try to live on cd interest nowadays unless you have a LOT of money.
     
    -jeffB likes this.
  4. Clawcoins

    Clawcoins Well-Known Member

    what type of bonds.
    low risk Treasury bonds .... high yield corporate bonds ... very aggressive junk bonds ?
    The same question with Equities ....

    % doesn't matter. Your level of risk matters and which group of investments you select because of that risk.

    I have high yield stocks, Nasdaq & sp500 indexes, high yield corporate bonds BBB+ or higher then some less aggressive investments.

    Then some nice and shiny silver and gold that I like to look at from time to time which never seems to grow much compared to my other investments.
     
  5. Don P

    Don P Member

    Nice.
     
  6. Don P

    Don P Member

    It's never too late to sell some off the top, such as taking profits and putting it in cash, like a money market stable fund.

    From what I've been reading though, 2018 will be a good year but most likely not the same gains as 2017; it's beyond 2018 that becomes the scary part!

    We definitely need a healthy pull back though, like even a 5-10% correction to give investors a chance to get back in.

    What's more interesting, in the last minor correction we had in 2016, the amount of gold bullion bought as a panic equaled the amount bought the 2008 DOW Jones crash.... just that little hiccup in 2016. Imagine the price of gold when the next recession hits!
     
    Bman33 likes this.
  7. Don P

    Don P Member

    Good points here. You can't sell out of the market and go only into cash at retirement since you still need a large portion of that money to keep up with inflation. If you've created a nice nest egg, you should essentially be able to live off of dividends, social security and pension.
     
  8. Don P

    Don P Member

    Gold and Silver help to preserve wealth. I've learned to look at them differently than buying stocks to gain a profit. For example, where will all the Bitcoin profits get invested when they choose to sell----the market, gold, silver? ;)
     
  9. sakata

    sakata Devil's Advocate Supporter

    All these charts and ideas are very nice, but they are predicated on a fixed place for your money. A flexible approach is to diversify across multiple instruments and be willing to move parts between them as the markets demand. I got out of equities in 2007 because of all the warnings about a collapse. I put most of it in bullion before the 2008 collapse. I sold silver at close to the top but I still have a fair proportion in bullion, not as an investment but as preservation, and am concentrating now on high dividend stocks for income and OTC stocks for speculation and growth over the next 30 years. Who knows where I will have it all in two or three years. Flexibility if the key.
     
  10. Clawcoins

    Clawcoins Well-Known Member

    I know. I always say PM is a storage of wealth. That's exactly how I look at it. I consider it nothing else.

    Of course, I could just store my cash in cash too as a storage of wealth where $1 will always be worth $1. Or I can store it in a savings account at 1.35% or getting into higher return investments.

    But my input was not PM storage of wealth. But the PERCENTAGE of equities versus Bonds. As the % doesn't mean much as you can have low risk and high risk equities and bonds.

    FWIW, I've converted zero of my crypto profit to PMs. PMs are strictly a pretty thing to look at for me and I've been doing it for a while on/off.
     
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