this post was submitted on 31 Jan 2026
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Isn't that leaving a lot of money on the table over time?
I have about half my money in vanguard index funds. I don't like being so invested in Tesla and Microsoft, but any time I look at alternatives, the returns or fees change my mind because over time the difference ends up being a ton of money.
I get that treasuries are safer, but I feel like the stock market is propping up America so much that any long term failure of the stock market would mean the end of America and thus treasuries as well.
index funds are the only thing worth investing in, unless you feel like micromanaging this shit, and i certainly don't
True, my view is that if they are forcing me to save I would rather save in something reliable and gamble with whatever remains from my actual salary.
But I understand some people won't have much remaining savings. Nothing against anyone either way.