Anonymous #1 12w

Got a lot of cash just sitting there 😭 any reason why?

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Anonymous OP 12w

HYSA produces 4-4.5%. It’s my emergency fund and it’s much safer than investing has felt under Trump

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Anonymous OP 12w

I had like 22k in there a couple weeks ago

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Anonymous #1 12w

I gotchu, I use Wealthfront for my emergency fund which gives me the same rate. About $8k in there generating 25-30 a month which is a nice promised income. I can partially agree to the safety of stacking up more emergency fund, but I’d credit my 8.95% mostly to buying the dips. We both have that big dip about 3 months into the year, which is where I bought much more SPY and QQQM. Bought SHLD for a 1-2year hold given the military tension right now.

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Anonymous #1 12w

Bro just dollar cost average into the s and p 500 you are underperforming the market

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Anonymous #2 12w

S&P is only up 4% this year

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Anonymous #1 12w

And you are underperforming 💀

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Anonymous #2 12w

Buddy I’ve added over 20k to my robinhood account since January. I’m still outperforming the s&p. Percentage gain is heavily skewed when you’re adding on 50% within a 6 month span. Ik math is hard for some people but gd

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Anonymous #1 12w

Robinhood doesn’t adjust YTD returns based upon deposits

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Anonymous #2 12w

The percentage actually goes down

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Anonymous #1 11w

damn what do you people do for work to just afford investing like that 😭😭

1

Anonymous #3 11w

Power systems design. It’s more that I don’t have any car/school debt and live pretty cheap. My pay isn’t crazy. Was able to save basically everything I earned throughout college and I worked 5 internships with 4 being full time. They paid pretty well compared to retail jobs

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Anonymous #1 11w

I’m in PCB assembly and manufacturing. Want to switch out because I have a comp sci degree but lord knows the market is extremely poor right now. No car/school debt either which allows me to fill my hysa and brokerage account a lot each month

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Anonymous OP 11w

That’s sick. How did you break into pcb design? I didn’t get any experience with it during my EE degree or at any of the places I worked during school :/

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Anonymous #1 11w

I’m more on the process engineering side of things. A coworker of mine got into PCB design specifically by working at the company doing something else for a while then applying internally.

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Anonymous #4 11w

If I’m invested in index ETFs exclusively how am I underperforming? Depends on which ones you’re talking about, as they all give a slightly different return based on sector mix

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Anonymous OP 10w

Gotcha that’s what I did during majority of my internships. I didn’t really like it bc there wasn’t much to do at the sites I worked at. Engineers spent most of their days in meetings or just sitting around talking. Lots of waiting on sales engineers

1