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Unpopular Opinion: Conservative investing does more harm than good. Don't lie, you've held your chin up high, when you tell people about investing conservatively. Not just bonds, but also: • CDs • TDF's • ETF's • HYSA's • S&P500 These average about 2%-7% after inflation. How much do you think that's going to help you? Back of the napkin math: Desired income at 65: $100,000/yr Time till 65: 25 years and are investing conservatively, You need $4.2M to retire And invest approx $6,300/month into these vehicles. And if you can, what about other goals? • Buying a house • Eliminating debt • Starting a business • Sending kids to college You need to learn a balanced investment strategy. • Bonds • Stocks • Options • Real Estate • Mutual Funds • Private Equity • Venture Capital • Investment Advisor It's gonna yield higher results, and keep you ahead of the curve. Takeaway: Don't walk in a race that you expect to finish first.
Playing it too safe isn’t investing - it’s just watching inflation quietly eat your money. Conservative strategies might feel ‘secure,’ but they won’t get you across the finish line if your goals are ambitious. The real game is balance: → Diversify. Stocks, real estate, private equity -> spread your risk. → Think bigger. Bonds and HYSAs won’t build wealth, just preserve it. → Educate yourself. Your returns are only as good as your strategy. Safe feels good today, but bold builds tomorrow. Time to start running the race you want to win. Right, Omkar?
You know it Omkar - Any goals 3+ years out, consider leaning more towards growth.
The scarcity mindset behind these "guaranteed" returns really limits your growth. Something to consider, the wealthiest people don't play the small game. They invest in things with risk, but they know how to control and mitigate them. Lower downside, much much higher upside.
This is a bold take, but it’s definitely thought-provoking. Conservative investing may provide security, but when it comes to building significant wealth, diversifying and going after higher returns can be very significant
Every tool has it's place in the arsenal. No one wins a battle with just one weapon
This is why people should hire an expert instead of trying to do it alone Omkar Shinde
This is an important reminder: playing it safe doesn’t always lead to financial freedom.
I agree. Too many people I run across are invested too conservative for their goals/needs.
The biggest risk in life we take is taking no risk at all.
I help you take control of your money so you can live life on your terms. | Founder of FMI Financial | Financial Planner
1dPrioritizing short-term peace of mind will cost you long-term security and optionality.