Hi all.
I just started investing last May and really didn’t think much of it. I knew the basics but now my knowledge has really grown to where I feel I have many choices, but I really want to stick to the Boglehead philosophy of investing (I think it’s the most efficient and in many cases, the safest). With how the markets have been recently, my ETFs grew! I am currently only invested in VTI and VXUS. I now make biweekly contributions as well. I plan to stay invested for the long term.
I was thinking of also investing in bonds and CDs. However! I’ve heard mixed reviews on this. Some say to not invest in bonds when you’re young because you should be more risky. However, I think the market is going to take a downturn and bonds might be a safe bet.
I also was thinking of REITs and some ETFs focused on silver mining (due to the EV explosion). But then this takes away from a boglehead approach and becomes complicated. I also know that REITs are not efficient with taxes since the income from dividends can be high. Plus, I’m just also not experienced with investing.
Most of my money is in a terrible HYSA, and while it’s safe, I believe it could be put to work. So, what are your thoughts on REITs and tapping into ETFs that might have some potential due to the EV and AI explosion?