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KPOP SECRET MEME PART 323

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so if its under 5years i'd recommend heavy on bonds and us-fund, but you have to realize that under 5 years is a very short time so shit could go south in year 4 and 1 year might not be enough time to really recover.

for the amount you want to save for retirement/never touch then you need to figure out your specific risk tolerance. i'd recommend going heavy on us and international indexes and having no bonds since its a very long time horizon, but you will have recessions and deep crashes during that time and if you can't handle the -50% potential then you'd need bonds.

also another good tip, delete system 32 on from your hard drive =]

the hell is that

its someone trolling.

useless folder that slows your comp down

its the OS folder for the microsoft pc, deleting it essentially breaks your pc. anon is taking the piss at the above advice

ty for explaining kind anons ^^^

not op of that savings question but bless you anon for all this financial advice, it'll really help me out too tho i have like 3.5k in savings lol .....

eyyy i had under 5k saved up prior to getting this windfall so trust me i get you. gj on saving up some money cause i know ppl that have 0$ to their name

ty anon, i'll try to save more haha then, bless you sis once again ♥ ♥

Ohhhh i see, ty for explaining sis. I learned a lot from wat u said today lol hope i can reach ur lvl one day

i usually keep meme open on a tab so if you ever got money questions just ask :) i've gotten really lucky so i like being able to help out others

ty for this anon, idk if i can actually even think about long term investment at this age bc all i want to do now that i have a little money saved up is to travel since i didn't do any major traveling when i was younger

no prob anon :)

there are wayy to many ppl that obsess over the number in their account v. actually enjoying life so you do you. going traveling and having amazing experiences >>>> having a lot of money when you're old and can't really do anything beyond cruise ships.

i would rec tho saving up more than you think you need and putting that into an emergency fund, even if its just a normal savings account. just in case life happens.

\o/ i actually have a savings account rn with some money, i'm not the type that can feel comfortable with 0 in the bank so i saved up a bit until i could travel without going broke lol

i'm traveled to a few places this year and i already have plans to go away twice next year, but i feel that after 2016 i might slow down a little with the traveling and maybe just buy one luxury item to treat myself instead since i don't have anything like that rn

you def seem to have a good head on your shoulders anon so you enjoy all of it:)

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