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naraburns  nihil supernum  1yr ago (text post)   3872 thread views

Small-Scale Question Sunday for November 20, 2022

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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Asked this last week, but where's a good place to park a few 100k right now? Treasuries? Treasury ETFs? I don't want to throw any more into the stock market right now, but obviously don't want to hold onto that much cash.

I've been buying 4-week T-bills for a few months and rolling them over. Nothing at all looks remotely attractive so safety is king.

Janet Yellen being the least ugly girl at the bar is a sad state of affairs, but that's the same thing I've been doing. Everyone was hyped for i-bills the other month, but the variable rate on those is going to drop like a rock.

I'm just wondering if bond prices will bounce when the dip comes.

Guys, what's even going on with the economy? I'm simultaneously flooded with interest rate / stock price doomerism, and complaints about there not being enough qualified workforce, or even shortages of students who would want to get qualified.

It could be journos writing nonsense, but I'm getting the feeling of the system being torn apart...

Yeah, I have no idea at this point. There's been so much cash dropping out of the sky that there's no connection to reality any more. I can't tell if we're in for a depression or yet another redistribution-fueled bubble.

Real estate?

Not as liquid but it's still possible to use as collateral for a loan.

And can rent it out in the meantime. Although check the property tax rates in the region in question.

If I had that much cash lying about, I would 100% buy some property and rent it out to trusted family or friends at slightly below the market rate, to avoid the general hassles that come with tenants or short-term rentals.

You can be reasonably sure this investment will never plunge to zero.

Assuming a few is >300k USD? Create a local machine shop, employ one industry veteran guy who is semi-retired for 400-750 hours/yr to train some goofballs who seem interested in making exact complicated parts for extreme tolerance demanding airplane parts or medical machinery.

I know the investing guide to that: "how do you make a little money in small scale machining? Start with a lot of money"

What's your investment horizon? You trying to see if stocks will drop another 10% before going all in?

I assume you're looking for more than the ~3.5% savings. Suppose you could try some bond ETFs, if you think the Fed is going to ease up. Risk might be lower if you wait till the next FOMC in three weeks.

There is always the YOLO route. Go all in on TSLA or ETH and you either double that by EOY or lose half. Isn't SBF a vocal fan of that St Petersburg Paradox or whatever approach? ;)

Sure, but if you lose it, then dozens of mottizens will have to tell you how EA is problematic.

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