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Question

I have nobody here

What does Anon Babble think about investing if I have €3.3 million in inheritance? Should I use a brokerage firm or a financial advisor? A buddy said to just put all the money in the S&P 500. The thing is, I don't have a stable job right now (shop sales assistant) , and I'm 32, living alone.

buy le property

no Considering that Finland is near the Russian border, if Russia were to completely invade Finland, why should I invest in the Finnish stock market or buy property here? A country that has no conflict and is far from Russia would be a good option in long term

how about this
60% US Stocks: Invest in a broad US market fund like the Vanguard Total Stock Market ETF (VTI). This covers thousands of US companies for robust growth potential.

20% International Stocks: Add global exposure with something like the Vanguard Total International Stock ETF (VXUS), which includes developed and emerging markets.

20% US Bonds: Include a bond fund like the Vanguard Total Bond Market ETF (BND) for stability and income, especially as you near the end of your investment period.

The business board /biz would be much more helpful

S&p and bitcoin

What does Anon Babble think about investing if I have €3.3 million in inheritance

a boring index fund that pays a decent dividend

buy the top of the market

gay and dumb.

bonds in the bankrupt US

derp

IF you want to make money:

buy land, develop it, sell it.

but muh war

ok do it in some other country.

If you just want to live

buy a home

buy another two to rent

live off the rents.

Cut the amount into stocks in half and get a stack of mixed precious metals to stow away.

If you put the entirety of your inheritance into the market you’re a fucking idiot, it was given to you to make a better life, not to just hand it over to international Jewery. If you don’t want to live in Finland, go somewhere else. Settle down. That much money is enough to live a comfortable life with smart budgeting. Do not just put it into the market.

hat much money is enough to live a comfortable life with smart budgeting

he's in his 30s, compounding inflation cuts that in half every 10 years

are you literally a fucking retard? 60/20/20 is for people in there late 40s, he's already being insanely risk adverse

With your net worth you should get a reputable money manager for high net worth families. Oxbow Advisors seems like a good choice for you, based in Texas, USA. I'd invest with them but they have a 2 million dollar minimum for investment.

physical gold

putting every penny in the most unstable markets in human history is risk averse

You’re a retard, 3.3mil euros is plenty to live off of. Buy a cheap comfortable home and put less than a quarter into investments to keep some kind of passive income. Absolutely retarded if you think that money can’t be stretched out for decades, either that or you have the spending habits of a woman

Right now silver is a better buy.

I have €3.3 million in inheritance?

Congratulations, you have found me. I am a Nigerian prince and I can help you. I can make you rich like me. All you need to do is pay a small contract and processing fee then I will be happy to help you invest your money Nigerian oil and gas business and you make much money and be rich man. Please contact me with your banking details as soon as you can.
His Royal Highness
Prince Niggerian

3.3mil euros is plenty to live off of

tell me you know nothing about how fucked Europeans are without telling me you know literally nothing.

he isn't a 30 yr old in Texas with 3 mill dumbass, he THINKS he's getting 3.3 and i know this because he's asking Anon Babble for investment advice lulz

buy bonds of countries

Do not listen the retards here even on /biz. Wait and learn before doing something stupid.

Look into the Browne's permanent portfolio and more importantly read this book (digital version is free) : web.gavekal.com/books/the-general-theory-of-portfolio-construction/

Read it yourself first then put it in chatgpt to discuss it and go deeper.

buying bonds is much more stable and has virtually zero risk meanwhile stocks and cryptocurrencies fluctuate a lot

be selective on who you listen to. when dealing with large sums of money more attention needs to be spent on conservation of principle. That is to say, get yourself a well reputed tax attorney.

Should I use a brokerage firm or a financial advisor?

they are stupid and will net you less than the sp500
your 'buddy' is also stupid and doesn't care about you if that's his advice for you, sp500 is chump change ROI
Anon Babble is dead, and it would have been worthless too
do not give money to vanguard/blackrock/blackstone/or any jew fund, they use the money to poison your body and mind

i hesitate to tell you to invest into btc, because you clearly don't know the cycles

Unironically no.
The best to discuss finance, world events, music, technology, etc. is and has always been Anon Babble

Anon Babble is literally just a board for crypto tards.

youtube.com/watch?v=XamC7-Pt8N0
These tips are still relevant today
Thanks me later OP

passive income

oh i get it, youre retarded

because he’s asking Anon Babble for investment advice

Fair enough honestly lmao

It is a conservative way of managing wealth. A "stay rich" management, not a get rich type.

Donate it all to less fortunate people of color. It's the right thing to do.

Do you think you’re not supposed to make money off your investments? Do you just dump everything into the market to watch the number go up? I bet you think investments just mean handing your money to a stock broker lmfao

- Buy good property in a nice place (say, use 1 mil). Invest in stuff making it semi-autonomous (solar panels, water tank, fruit & veg garden, etc.)
- Put the rest of the money in a broad, boring fund with a decent yield but low management fees, to pay for your day to day expenses
- Do something useful with your free time

not political

All the stock markets are going to be evaporated soon I wouldn't put money into that shit. I'd buy land somewhere safe, probably somewhere in Canada, and then get a ton of stock tanks and get Arctic Acres domes to build a greenhouse, and just like make sure I'm set for life in regards to food and electricity and all that. Then think about what to do from there to make more money and whatever.

putting all in stocks is pretty retarded. you could easily get a few houses to rent out, start some small business to keep some income and just put whatever would just be lying around otherwise in stocks.

This will happen only in Europe, the rest of the World is fine thank you.

no you are, but it is not passive

3M dollars

high net worth family

which is it now? 3M isn't that much when you actually look at it

congrats. you made it. you can finally escape finland. if you speak english and are white, why the fuck would you want to continue living there?

Do not listen to the retards on /biz

Someone called? I can make you rich, throw it all on SOXL you can tank me later from the homeless shelter

I wouldn't put money into that shit.

Yet.

if you missed out on bitcoin riding the next cycle is literally your last chance for another 15 years, they prevented a healthy credit cycle last time, just start dollar cost averaging in after the first limit down circuit breaker because algo traders are gonna make this v shape recovery quicker than people expect and it's prolly gonna happen before the mid terms

With that level of net worth there are professionals who can figure this out for you. You can speak to them about your needs and they will set you up with an investment and estate plan.

Some wealth management firm in Switzerland accept clients from 300k. 3M is quite good.

buy bonds of countries

buying bonds is much more stable and has virtually zero risk meanwhile stocks and cryptocurrencies fluctuate a lot

to elaborate further, you should buy bonds and then study and learn how to invest which takes about a year or two. Martin Shkreli has a lot of good introductory material on how to invest like an institution. Shkreli also interesting and one of the great investors if you want to learn about him personally.

youtube.com/playlist?list=PLJsVF3gZDcuTxcdH5FmQRTd6MiJ29X_OQ

Hmm. Well first I would do nothing. Don't talk about the money or even think about it. Try to take a year off of your life and do whatever you want. At first this will suck, the first year is always the hardest. But at the end of one year off, you should feel differently about the world. Most likely you'll go to University, or get interested in travel, or want to start a family, or a farm, or something. Just try to do that. With regard to the money, everything you do to it will make the situation worse. Just sign up to vanguard, buy 3 mutual fund portfolio. SP500, Total US market, Total Intl Market. Split the ratio up however you feel like. Never think about it again, except to pay yourself 0.1% every month as a paycheck.

US stocks are a risk. Tariff short term agreement expires in 80 days or something. US stocks are entirely just a guessing game on future and tariffs throw that into chaos.
Land is not infinite and if you do not need the 3.3m now I would throw it into a land investment and forget about it besides taxes. Make sure the country you buy in is not considering land value taxes. A hint if you want to be a boomer is look for land in towns near rapidly growing cities. I live in the area but Tennessee is an example where Nashville ran out of land and houses even 35 miles away have 4x in price or more from what they were in the late 90s. Even 1 acre empty lots are going for 100k.
If you aren't sure I would just do short term CD if eurostan offers those until you find an investment you understand and can trust. Never invest in something unless you understand and feel safe with it. A 5% return a year with low stress is much better than a 10% return a year that you are spending hours a week or day stressing over.
I don't know if you have been to Anon Babble in the past decade but it is literally 97% crypto generals or reactions to crypto up or down with the other 3% being wallstreetbet redditors or boomer shiny rocks.

Don't care, who's the spooge harvester?

It's a category in the financial services industry for people with >1,000,000 in net worth. Basically it's meant for someone with a non trivial amount of assets who could likely benefit from some basic services.

You don't buy bonds when half the world is suffering from inflation. Inflation means higher interest rate to lower inflatation, the consequences of this is fucking the capital value of the bonds. Even chat gpt knows it you dum dum.

It will be a good asset maybe in few years

Buy land. Just make sure it brings you some profit.
Stonks is a scam. One day you can easily end up with nothing to your name.
Also don't turn into a cosmopolitan trash with no roots.

buy vanguard
make like 5percent a year but never lose money

Inflation doesn't remove the value of bonds. Its best to buy bonds if you don't know what the fuck your doing. Either this, or buy SPY, but SPY with its current volatility is scary for new investors.

A portion of his capital in a Swiss ETF in CHF could be a good and safe

1/3 into retirement property: basically a giant farm with orchards, vineyards, and some humble lawnmower cows and goats, maybe a separate property if you wana be a tropical snowbird type
If finlandia geopolitics is worrisome, go to the state of maine in america where its isolated 1 million wippeepoo

1/3 into investments, from there do multiple 1/3rds into your diversification portfolios like silver+gold or xrp: both are highly undervalued (note the mark of the beast is coming with the great tribulation)
I would note that everything is in a bubble and stocks are not going to perform well when the liquidity crisis hits, commodities are the things thatll skyrocket

And then a final 1/3 into a cash revenue generating business like shrimp farming aquiponics or something neat like that

Also remember 10% for the LORD, or be ultra based and donate all of it and follow Jesus to the core of discipleship
True riches are in the Kingdom of Jesus Christ anon, nothing really matters in this current state of affairs except for our faith and works of righteousness

I hate general purpose ETFs. Find some steady utility company with 20+ years of dividend growth around 4% yield (Fortis has been amazing). Find some steady staples that will be around for a long time.

You'll get paid $140k annually at 4% and can chill in perpetuity.

First thing you do though is don't touch the money for a year and read as many finance books as you can get your hand on. Dip your toes in investing first. The book "value averaging" gives a good strategy for slowly investing it. Invest $500k and top up at the end of every month so your balance is +3%. That way you'll always be buying on a dip.

Are you fucking high ? Of course it lowers the capital value of the existing bonds on the secondary market. Because The newers offers better interests so the existing one has to lower the capital value to still be competitive regarding their nominal interest.

You really need to understand how this works because you will really get fucked.

what do you want to manage for 300k though? that's the worth of like some old house in a village here. sounds to me like they're just hungry for commissions
fair enough. but i find it odd how low that category starts. At 1M you sure don't feel rich by any means, it just sounds nice

buy le property

You can buy property around the world. Not only that, but you can actually get a permanent residence with it as a bonus. Buy some good shit in a tourist zones, hire an agency that will deal on your behalf for a percentage, enjoy free money.

a small farm costs about $3m to stake. sort of all in on a small farm. only a good idea if that's exactly what you know you want.

Mikayla campinos

by it doesn't remove the value, i mean that it doesn't make it negative. he doesn't have much to gain from opportunity cost, but he merely needs to gain a profit. will you say that US bonds are negatively profitable currently? US 1YR bond yield is 4.3% while YOY US inflation is 2.3.

There's a global debt bubble and you're worried about investing. You're like the guy on the sinking ship trying to load his pockets with silverware.

Unironically, you are not even aware of how ignorant you are because when the bubble bursts (and it will burst), future you will be pissed at present you. Go read up on fiat and buy all the PMs you can bury. Gold if you're cautious, silver if you want an actual investment. Otherwise, maybe get yourself just enough property to wait out the bubble on.

Yeah, 50/50 you die in the global depression, but at least you won't loose it all in "investments". Also Russia isn't invading anyone before there's a collapse, you need to stop drinking Eurotrash propaganda.

1. International stocks are useless. The diversification is actually worsification. Stick to the USA/Canada and Europe, but mostly USA.

2. S&P 500 is good BUT keep in mind we could be a near term bubble and you may temporarily lose substantial value for years.

3. Bonds aren't inherently bad, but beware that long term bond markets are very volatile.

You should look into Low Volatility ETF and Consumer Staple ETFs. These have very low risk and equal or better performance than the S&P 500 long term.

There's also major individual stocks that you could look into like the Canadian National Railroad, and the big tech stocks in Canada/USA could be worth it when the price settles.

€3.3 million in inheritance

Marc Faber "Conditions are like the 1970s and the gold position was 15% [historical: 30%]"

BTC, Ripple Tether. Uncle Sam's taking over and banking the 3rd world. Water, Energy, anything related to space mining and the new small nuclear reactors. Raw land. TIMBER (guaranteed 8% annually, and if it's less it's not like the trees disappear). Drones.

But absolutely no Eurofag issued bonds. Follow where US bases are moving [hint: Greece] and act appropriately.

Education, invest in education then you won't be a sales assistant trades college fukken anything over minimum other than that put it in high yield savings or regular savings or retirement fund don't gamble it on the market at the moment and just live within your means if not below to basically use it as a cushion if shit hits the fan financially in your life

for 1 million euros ill live with you. Ill cook, clean and fondle your balls if you want. I could retire on that amount of money

Read this book it's free web.gavekal.com/books/the-general-theory-of-portfolio-construction/

Professional portfolios manager never invest in only one assets, it's always fragile and antifragile assets.

During inflation time you always go for gold for your antifragile assets, during economic boom without inflation you always go for bonds for your antifragile assets.

The IPC are unreliable, what never lie is the gold-bonds performance ratio with a 7 years mobile average. If gold is doing better, that means that inflation is killing the yield of the bonds.

Go to a good investment broker that is known for having gains OR get a high yield savings account.
If you can manage to get a steady 10% to 15% return annually then after 30 years you'd have between 40 to 200 million.
High yield savings is no risk but the interest compounds at 4.5% if you're lucky which after 30 years would turn into about 11.2 million if starting with 3
You could even create your own company to do all this for you and further manage your wealth for later generations so they don't blow it and continue to grow in net worth, not have to work etc. There will be paintings of you in your great great grandchildren's hallways.

Pic related

will read

I understand what you mean, you will not have negative yields, but still even if you have a nominal positive rate, your NAV in the end, corrected for the inflation will be negative.

Even if you wait the termination of your bond, the inflation ate some of your capital during this period.

investing

Yes, I recommend from experience.

brokerage firm or a financial advisor

You can do both, to establish three platforms: one for short term "allowance", long term payments, and safehaven to enjoy your wealth without paying taxes.

how about this

everything you posted has NO synergy, sorry

Um, no? I was talking hobby farm not going all out commercial
You can buy 20 acres for a modest price and house there doeant nees to be a fuckhuge mcmansion, same with a workshop and a barn and coop
Plant the trees, tend the garden, get a small reliable old tractor or use beast of burden
Simplicity is key as much as being frugal

Anon Babble

please to be buying scamcoin, saar. guaranty 10x tomorrow.

Stocks
Crypto
Gold

Try to keep your job and work as long as you can. It's not rocket science.