I want 15% yearly ROI. How to go about it? [Croatia]

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coachd50
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Re: I want 15% yearly ROI. How to go about it?

Post by coachd50 »

Stinky wrote: Mon Dec 28, 2020 5:57 am
Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
If the objective is building wealth over time, rather than shooting for some arbitrary annual return number (15%), this is step 1. Save. Save. Save. A lot.

Then invest in index equity mutual funds. Earn market returns, no more, no less. Minimize your fees. Buy the whole haystack.

You'll build real wealth over time.
I think the issue here in this thread (as well as many others) is the conflict between two distinctly different goals.
As I see it, Bogleheads, John Bogle, Index fund investing etc's goal is NOT the same as others. The goal for those is to have "enough". It is to take the best route possible at having the best retirement possible given the life choices one has made regarding employment/income matters.

This is ultimately quite different than the goal of "making money"
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JoeRetire
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Re: I want 15% yearly ROI. How to go about it?

Post by JoeRetire »

Samosa22 wrote: Sun Dec 27, 2020 9:47 pm
ivgrivchuck wrote: Sun Dec 27, 2020 8:37 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Lottery tickets and the like are the only option.

Options and other derivatives can behave like lottery tickets (you can easily double up or lose everything).
Seriously? For one, why would anyone buy a lottery ticket with the hopes of getting a whooping 15% in return?
Because it's easy, and since you can tolerate any risk, then YOLO!
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White Coat Investor
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Re: I want 15% yearly ROI. How to go about it?

Post by White Coat Investor »

BabaWawa wrote: Mon Dec 28, 2020 5:34 am
White Coat Investor wrote: Sun Dec 27, 2020 9:10 pm
BabaWawa wrote: Sun Dec 27, 2020 8:40 pm
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.
I've noticed many on the WCI Facebook group think much higher returns are guaranteed with shrewd stock picking, day trading, and Bitcoin.
Us too. Any suggestions?
Not sure what to do, it's a shame because WCI is such a fantastic source of valuable investment info on low cost index fund investing, emphasizing buy, hold and rebalance.. Even as a retired doc, I love to go to WCI for sound advice. Looks like this generation of young physicians thinks differently. I'm done with that FB group. If I were James Dahle, after so many years of sound advice and building brand recognition, I would close down the FB group... It's just just a horrible reflection on what WCI has built.
We've debated for months what to do about it. That solution seems a bit drastic, but is one we've considered. Stay tuned.
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am
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Re: I want 15% yearly ROI. How to go about it?

Post by am »

anon_investor wrote: Sun Dec 27, 2020 9:52 pm 1. Study hard for the LSAT
2. Get into an elite law school
3. Get good grades
4. Get a job in BIGLAW
5. Profit

It's that "easy"!
From what I’ve read, you won’t last and the therapy bills will take away from the profits :D
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TomatoTomahto
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Re: I want 15% yearly ROI. How to go about it?

Post by TomatoTomahto »

White Coat Investor wrote: Mon Dec 28, 2020 7:54 am
BabaWawa wrote: Mon Dec 28, 2020 5:34 am
White Coat Investor wrote: Sun Dec 27, 2020 9:10 pm
BabaWawa wrote: Sun Dec 27, 2020 8:40 pm
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm Leverage and an active role. Think real estate investing.
I've noticed many on the WCI Facebook group think much higher returns are guaranteed with shrewd stock picking, day trading, and Bitcoin.
Us too. Any suggestions?
Not sure what to do, it's a shame because WCI is such a fantastic source of valuable investment info on low cost index fund investing, emphasizing buy, hold and rebalance.. Even as a retired doc, I love to go to WCI for sound advice. Looks like this generation of young physicians thinks differently. I'm done with that FB group. If I were James Dahle, after so many years of sound advice and building brand recognition, I would close down the FB group... It's just just a horrible reflection on what WCI has built.
We've debated for months what to do about it. That solution seems a bit drastic, but is one we've considered. Stay tuned.
My sympathy WCI. It might be drastic, but I wouldn’t underestimate FaceBook’s ability to diminish everything. I don’t miss my account.
I get the FI part but not the RE part of FIRE.
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Re: I want 15% yearly ROI. How to go about it?

Post by am »

There’s a good chance that if we stay at 0% interest rates on high quality bonds or near it, plain old index funds will get you there over the next 5 years.

Spice it up a bit with a triple leveraged strategy (hedgefundie).

Add some bitcoin as this will keep going up as long as money printing continues despite what the old fogies say here. As institutional adoption continues, it will go even higher.
mptfan
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Re: I want 15% yearly ROI. How to go about it?

Post by mptfan »

Lottery tickets.
latesaver
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Re: I want 15% yearly ROI. How to go about it?

Post by latesaver »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Hard money real estate lending.

Good thing you can tolerate any risk.
Impatience
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Re: I want 15% yearly ROI. How to go about it?

Post by Impatience »

You’re all acting like 15% is some kind of astronomical dream. You could probably get that with some low to moderate leverage plus a growth tilt. Buy 110% QQQ and cross your fingers.
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TomatoTomahto
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Re: I want 15% yearly ROI. How to go about it?

Post by TomatoTomahto »

Impatience wrote: Mon Dec 28, 2020 9:13 am You’re all acting like 15% is some kind of astronomical dream. You could probably get that with some low to moderate leverage plus a growth tilt. Buy 110% QQQ and cross your fingers.
Frankly, when I see people predicting 8% or 10% gains for the long haul, I think that’s an “astronomical dream” going forward for 30 years. I hope it’s true, because we/heirs will be rolling in dough, but I don’t think it will happen. Just pessimistic old me I guess.
I get the FI part but not the RE part of FIRE.
Glockenspiel
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Re: I want 15% yearly ROI. How to go about it?

Post by Glockenspiel »

coachd50 wrote: Sun Dec 27, 2020 5:39 pm
Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
Amen!
So many people are looking for the magic bullet. Sad.
If someone is willing to accept "any risk" for 15%--may I suggest simply getting a second job?

For the OP. Take money to Casino. Bet either Odd/Even or Red/Black. You have a 47% chance to get a 100% return!
Do this once per year every year for 30 years and you should average a 47% annual return!
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by LadyGeek »

This thread is now in the Non-US Investing forum. As noted in Re: How much do I need for retirement?, the OP lives in Croatia. I retitled the thread to indicate the OP's home country.

(Thanks to the member who reported the post. One of the reasons is "Wrong forum".)
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Shackleton
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Re: I want 15% yearly ROI. How to go about it?

Post by Shackleton »

Glockenspiel wrote: Mon Dec 28, 2020 9:22 am
coachd50 wrote: Sun Dec 27, 2020 5:39 pm
Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
Amen!
So many people are looking for the magic bullet. Sad.
If someone is willing to accept "any risk" for 15%--may I suggest simply getting a second job?

For the OP. Take money to Casino. Bet either Odd/Even or Red/Black. You have a 47% chance to get a 100% return!


Do this once per year every year for 30 years and you should average a 47% annual return!
I like this plan. You’ll probably even get a free drink while at the casino.

For the OP, you need to understand what “high risk”’really means as pointed out by ArticPineappleCorp and a few others. It means that there is a significant chance that you will end up with 0 or a much lower return, even a negative return. There is a SMALL chance you will get the hoped for return of 15%. The higher the risk, the higher the chance that you will end up with less than the 15%. In 30 years, if you end up with only a very small return or lose all the investment, are you really OK with that?
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by DSBH »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
I am just a boring 50/50 AA + 2-fund portfolio retiree but just for fun's sake:

25% FSCSX - Fidelity Select Software and IT Services Portfolio
25% FSPHX - Fidelity Select Health Care Portfolio
25% FSMEX - Fidelity Select Medical Technology and Devices
25% FBIOX - Fidelity Select Biotechnology

Rebalance annually and look back after 30 years.
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klondike
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Re: I want 15% yearly ROI. How to go about it?

Post by klondike »

Tingting1013 wrote: Sun Dec 27, 2020 6:04 pm
arcticpineapplecorp. wrote: Sun Dec 27, 2020 6:00 pm if anyone could earn 15% yearly, then why wouldn't everyone? why would anyone invest in anything except for that one investment?
Because they are Bogleheads who wouldn’t pick up a hundred dollar bill off the street because “if it was real someone would have picked it up already”
I love this hilarious yet precise answer. You made my day :sharebeer
rich126
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by rich126 »

As you are finding out, this isn't the place to talk about outperforming indexes. People here are obsessed with average performance.

You might want to visit other boards online. Getting 15% won't be easy but I know a number of people who invested in various computer companies who made over 100% in 2020 and also did well in 2019. So even a few years of low performance will have them well ahead of 15%.
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Re: I want 15% yearly ROI. How to go about it?

Post by Dottie57 »

Stinky wrote: Mon Dec 28, 2020 5:57 am
Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
If the objective is building wealth over time, rather than shooting for some arbitrary annual return number (15%), this is step 1. Save. Save. Save. A lot.

Then invest in index equity mutual funds. Earn market returns, no more, no less. Minimize your fees. Buy the whole haystack.

You'll build real wealth over time.
+1 Index funds worked for me. Saving an adequate percent of gross income is required.
gougou
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by gougou »

Buy value stocks and businesses that have > 15% IRR. Don't buy bubble stocks with P/E > 100 anywhere in your portfolio. Don't buy bonds with 2% to 3% yield.
The sillier the market’s behavior, the greater the opportunity for the business like investor.
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anon_investor
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Re: I want 15% yearly ROI. How to go about it?

Post by anon_investor »

am wrote: Mon Dec 28, 2020 7:56 am
anon_investor wrote: Sun Dec 27, 2020 9:52 pm 1. Study hard for the LSAT
2. Get into an elite law school
3. Get good grades
4. Get a job in BIGLAW
5. Profit

It's that "easy"!
From what I’ve read, you won’t last and the therapy bills will take away from the profits :D
Obviously sell high! (After a few years, go in-house at a megacorp and enjoy 9-5 for still a lot of $, at least that is what I did 8-) )
Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

coachd50 wrote: Mon Dec 28, 2020 7:05 am
Stinky wrote: Mon Dec 28, 2020 5:57 am
Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
If the objective is building wealth over time, rather than shooting for some arbitrary annual return number (15%), this is step 1. Save. Save. Save. A lot.

Then invest in index equity mutual funds. Earn market returns, no more, no less. Minimize your fees. Buy the whole haystack.

You'll build real wealth over time.
I think the issue here in this thread (as well as many others) is the conflict between two distinctly different goals.
As I see it, Bogleheads, John Bogle, Index fund investing etc's goal is NOT the same as others. The goal for those is to have "enough". It is to take the best route possible at having the best retirement possible given the life choices one has made regarding employment/income matters.

This is ultimately quite different than the goal of "making money"
This hits it on the head.

I’ve said this before but I think people may have interpreted it as snarky, when in fact I’m being dead serious:

“I prefer more money to less. YMMV.”
hightower
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by hightower »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
I would like to be married to Margot Robbie. Oh and I want to win the lottery.
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Abe
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by Abe »

The S&P 500 has returned almost 14% the last 10 years. That's close. Can't guarantee that going forward though. :wink:
Slow and steady wins the race.
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Picasso
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Re: I want 15% yearly ROI. How to go about it?

Post by Picasso »

am wrote: Mon Dec 28, 2020 7:56 am
anon_investor wrote: Sun Dec 27, 2020 9:52 pm 1. Study hard for the LSAT
2. Get into an elite law school
3. Get good grades
4. Get a job in BIGLAW
5. Profit

It's that "easy"!
From what I’ve read, you won’t last and the therapy bills will take away from the profits :D
Both of these things are true for my siblings. Big pay + big depression. Lots of drinking.
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antisa
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by antisa »

First of all, wow!

123 posts on this topic whereas I expected 3 to 4. Just wow, what an unbelieveable forum! Thank you, guys!


I am indeed a beginner in investing and didn't mean to offend anybody. I understand that the idea behind Bogle's philosophy is keeping it simple and consistent adn inexpensive and matching market returns as much as possible, but I just wanted to ask what it would take to get 15% ROI from investing.

To sum it up, these were the idea (maybe I missed some):

- PRGFX
- Not realistic with passive investing, active trading necessary
- PSLDX
- Wall steet bets on Reddit
- Hedgefundie
- Real estate investing
- 100% VITAX/VGT
- Dip FS style
- Options
- Lottery
- Franchising

I will learn more about these options (pun intended) in the next year and hopefully come to a useful consclusion.


One more time, thank you all!
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antisa
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Re: I want 15% yearly ROI. How to go about it?

Post by antisa »

Doctor Rhythm wrote: Sun Dec 27, 2020 5:25 pm And I would like a cat that actually enjoys writing code and doesn’t have to be constantly cajoled.

Your prior post a month ago stipulated a 6% return - why so ambitious? If you want to average 15% annual ROI over 30 years, you’re going to have to be exceptionally lucky and take exceptionally high risk.

I was just wondering what it would take to get this kind of returns and what would be the best path.
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antisa
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Re: I want 15% yearly ROI. How to go about it?

Post by antisa »

White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.

What kind of real estate investing?

Buying and selling?
Buying and loaning?
Something else?

What kind of properties?
coachd50
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Re: I want 15% yearly ROI. How to go about it?

Post by coachd50 »

antisa wrote: Wed Dec 30, 2020 10:02 am
Doctor Rhythm wrote: Sun Dec 27, 2020 5:25 pm And I would like a cat that actually enjoys writing code and doesn’t have to be constantly cajoled.

Your prior post a month ago stipulated a 6% return - why so ambitious? If you want to average 15% annual ROI over 30 years, you’re going to have to be exceptionally lucky and take exceptionally high risk.

I was just wondering what it would take to get this kind of returns and what would be the best path.
I think some of the more sarcastic posts come from the fact that what newer investors (and often younger people in general) sometimes fail to realize is that if something was that cut and dry, "just do ________" then everyone would be doing it already.

Also, in this case you, as a newer investor, might not realize the extremes that a yearly 15% return on index fund investing over a long period of time would represent. No harm there, it is probably a result of discovering investing in the current investment environment.
Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

coachd50 wrote: Wed Dec 30, 2020 10:15 am
antisa wrote: Wed Dec 30, 2020 10:02 am
Doctor Rhythm wrote: Sun Dec 27, 2020 5:25 pm And I would like a cat that actually enjoys writing code and doesn’t have to be constantly cajoled.

Your prior post a month ago stipulated a 6% return - why so ambitious? If you want to average 15% annual ROI over 30 years, you’re going to have to be exceptionally lucky and take exceptionally high risk.

I was just wondering what it would take to get this kind of returns and what would be the best path.
I think some of the more sarcastic posts come from the fact that what newer investors (and often younger people in general) sometimes fail to realize is that if something was that cut and dry, "just do ________" then everyone would be doing it already.

Also, in this case you, as a newer investor, might not realize the extremes that a yearly 15% return on index fund investing over a long period of time would represent. No harm there, it is probably a result of discovering investing in the current investment environment.
The “current investment environment” has returned close to 15% CAGR since 2009
alex_686
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Re: I want 15% yearly ROI. How to go about it?

Post by alex_686 »

antisa wrote: Wed Dec 30, 2020 10:03 am What kind of real estate investing?
This is kind of the wrong question and does not exactly fit in your 30 year time horizon.

You are not going to find real estate that generates 15% over 30 years. You will be lucky if you can find something that pays 10%.

You can earn 15% in real estate but this is going to be a skill based return. So, of the above options what are you good at?

If you are handy and have a sense of style you can buy and flip properties. If you have deep pockets you can make cash offers for distressed properties during times of crisis. If you have foresight you could go into development.

However, all of these carry high risk. There is a old Texas saying: You only know that you are rich after you have declared bankruptcy 3 times.

Once again, this is skill based. All options to get a 15% return are skill based. i.e., this is going to be a job that will require time, effort, risk, and commitment of capital. Plus some luck.
Last edited by alex_686 on Wed Dec 30, 2020 10:58 am, edited 1 time in total.
Former brokerage operations & mutual fund accountant. I hate risk, which is why I study and embrace it.
coachd50
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Re: I want 15% yearly ROI. How to go about it?

Post by coachd50 »

Tingting1013 wrote: Wed Dec 30, 2020 10:16 am
coachd50 wrote: Wed Dec 30, 2020 10:15 am
antisa wrote: Wed Dec 30, 2020 10:02 am
Doctor Rhythm wrote: Sun Dec 27, 2020 5:25 pm And I would like a cat that actually enjoys writing code and doesn’t have to be constantly cajoled.

Your prior post a month ago stipulated a 6% return - why so ambitious? If you want to average 15% annual ROI over 30 years, you’re going to have to be exceptionally lucky and take exceptionally high risk.

I was just wondering what it would take to get this kind of returns and what would be the best path.
I think some of the more sarcastic posts come from the fact that what newer investors (and often younger people in general) sometimes fail to realize is that if something was that cut and dry, "just do ________" then everyone would be doing it already.

Also, in this case you, as a newer investor, might not realize the extremes that a yearly 15% return on index fund investing over a long period of time would represent. No harm there, it is probably a result of discovering investing in the current investment environment.
The “current investment environment” has returned close to 15% CAGR since 2009
That was my point. That someone entering into securities investing relatively recently may think that is historically the norm.
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dziuniek
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by dziuniek »

hightower wrote: Mon Dec 28, 2020 4:57 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
I would like to be married to Margot Robbie. Oh and I want to win the lottery.
So one lottery win isn't enough? :)
Get rich or die tryin'
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White Coat Investor
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Re: I want 15% yearly ROI. How to go about it?

Post by White Coat Investor »

antisa wrote: Wed Dec 30, 2020 10:03 am
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.

What kind of real estate investing?

Buying and selling?
Buying and loaning?
Something else?

What kind of properties?
For 15% I'd expect to need to take on both equity and leverage risk.
1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course
f4d
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Re: I want 15% yearly ROI. How to go about it?

Post by f4d »

f4d wrote: Mon Dec 28, 2020 3:09 am Retired in 1996...did not make 15% so far this year.

Total Investments...339760
Gain 43205
Percentage Gain 12.72

Does not include TSP :beer
For those that prefer hiking rather than ROI:

https://www.walklakes.co.uk/hills/wainwrights.html
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mokaThought
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Re: I want 15% yearly ROI. How to go about it?

Post by mokaThought »

Eventide Gilead (ETGLX) if you're in the mood for mutual fund performance chasing. 16.36% annually since 2008 and 42.64% over the past year.
"October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August and February."
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zarci
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by zarci »

I ran an experiment on my own numbers. For my specific case, a 5% increase in savings rate has the same effect as 1.8% additional return.

Saving 50% of your income could get you where you want. Think about it.
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anon_investor
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Re: I want 15% yearly ROI. How to go about it?

Post by anon_investor »

Picasso wrote: Mon Dec 28, 2020 5:37 pm
am wrote: Mon Dec 28, 2020 7:56 am
anon_investor wrote: Sun Dec 27, 2020 9:52 pm 1. Study hard for the LSAT
2. Get into an elite law school
3. Get good grades
4. Get a job in BIGLAW
5. Profit

It's that "easy"!
From what I’ve read, you won’t last and the therapy bills will take away from the profits :D
Both of these things are true for my siblings. Big pay + big depression. Lots of drinking.
That seems 100% accurate. If I had stayed in Biglaw, I would likely be divorced and depressed. But hey the OP wanted to know how to get 15%+ ROI. No pain no gain?
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OohLaLa
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Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by OohLaLa »

Hi,

First thing to do is not get dragged down by the smartass responses. 15% isn't some insane pipe dream.

You don't need to be a doctor or a lawyer. You don't need to get into real estate. You don't need to win the lottery.

If you want a simple investment that doesn't require huge upfront costs, then just regularly contribute to some leveraged funds. 3x is intense in terms of risk, but 2x in a diversified fund like the SP500, paired with a 2x bond fund (long-term or at least intermediate), would probably be a good fit for someone with your goal + risk tolerance.

It's a bit more complicated for Europeans but there are funds. I can't vouch for any of them but here are some ideas:
https://www.wisdomtree.eu/en-gb/product ... 0Leveraged
https://etf.dws.com/en-lu/LU0411078552- ... ts-etf-1c/

You might have to blend some 1x + 3x funds to achieve effective 2x, though. That would also require keeping an eye on the balance between the two, to maintain 2x or relatively close. You don't necessarily want to overexpose yourself.

People are quick to whip out the good ol' Portfolio Visualizer to dismiss something. Might as well take a more positive view of things:
https://www.portfoliovisualizer.com/bac ... tion3_3=80

Could you underperform 60/40 unleveraged? Sure. I doubt you will.
mrekvy491
Posts: 58
Joined: Wed Jul 29, 2020 10:43 am

Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by mrekvy491 »

Having a part time job or a side hustle could easily give you more than 15%. (If you have the time)

Leveraged investing is good when things go well. But the sequence of return will be very important.

I find it hard to believe that enthusiasm about the levered portfolios will stay the same in a bear market, or a market moving sideways.
Prahasaurus
Posts: 1028
Joined: Fri Mar 29, 2019 1:02 am

Re: I want 15% yearly ROI. How to go about it?

Post by Prahasaurus »

antisa wrote: Wed Dec 30, 2020 10:02 am
Doctor Rhythm wrote: Sun Dec 27, 2020 5:25 pm And I would like a cat that actually enjoys writing code and doesn’t have to be constantly cajoled.

Your prior post a month ago stipulated a 6% return - why so ambitious? If you want to average 15% annual ROI over 30 years, you’re going to have to be exceptionally lucky and take exceptionally high risk.

I was just wondering what it would take to get this kind of returns and what would be the best path.
It would take additional risk.

Since we're all playing the risk game, I would suggest 90% global stock index fund, 10% Ethereum (ETH). You need to stake your ETH on the network to earn additional ETH on top of what you purchase. My guess is this will give you about 6-8% more annually, but again, paid in ETH, which is key. Do not rebalance your ETH if it grows past 10% of your portfolio way you would a traditional Bogleheads portfolio. Only rebalance if you feel uncomfortable with having so much value in one asset. Definitely add to your ETH in the short term if it falls below 10% of your portfolio, however.
Asset Allocation: VT
YeahBuddy
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Joined: Tue Oct 31, 2017 12:55 pm

Re: I want 15% yearly ROI. How to go about it?

Post by YeahBuddy »

manatee2005 wrote: Sun Dec 27, 2020 5:29 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Wall Street Bets on Reddit

I've browsed before but can't stand the interface. It's a mess with all the colors, emojis, memes, etc.
What thread do you follow the "Daily discussion"?
I'm not looking to invest just stand back and observe. Thanks
Light weight baby!
Astones
Posts: 322
Joined: Mon Apr 12, 2021 12:48 pm

Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by Astones »

According to the theory, the least risky way to do it is to buy broad market ETFs with leverage.


I would absolutely not recommend it but it might be the least awful way to try it.

rich126 wrote: Mon Dec 28, 2020 3:49 pm As you are finding out, this isn't the place to talk about outperforming indexes. People here are obsessed with average performance.

You might want to visit other boards online. Getting 15% won't be easy but I know a number of people who invested in various computer companies who made over 100% in 2020 and also did well in 2019. So even a few years of low performance will have them well ahead of 15%.
No time window shorter than 10 years means anything. 2019 and 2020 were great years for virtually anyone. Worse times will follow and there will be a reversion to the mean, because there always is.
Show me someone who consistently made 15% in a period that include bear markets and I'll listen.
MishkaWorries
Posts: 1357
Joined: Wed Aug 14, 2019 4:39 pm

Re: I want 15% yearly ROI. How to go about it?

Post by MishkaWorries »

antisa wrote: Wed Dec 30, 2020 10:03 am
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.

What kind of real estate investing?

Buying and selling?
Buying and loaning?
Something else?

What kind of properties?
You live in Croatia and you can't figure out how to make money on real estate? Granted the low hanging fruit has been taken years ago, but there are a ton of opportunities to go forward.

I wouldn't suggest a westerner buy any real estate there except through developments but you being there, speaking the language and understanding the title issues from the past communist era gives you huge advantage.
We plan. G-d laughs.
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typical.investor
Posts: 5247
Joined: Mon Jun 11, 2018 3:17 am

Re: I want 15% yearly ROI. How to go about it?

Post by typical.investor »

arcticpineapplecorp. wrote: Sun Dec 27, 2020 6:00 pm get in a time machine and invest from 1980-1999. you'd have gotten 17.5% a year. easy!

the hard part is building the time machine.
As of 15 January 2020, the University of Zagreb had one. It seems to have been shuttered by COVID but might be worth checking out.
Our Croatian Time Machine members and Time Machine Ambassador Vlatka Lemić (Head of the Archival Office at the University of Zagreb) organised a Time Machine Info Day in Zagreb on 15 January at the University of Zagreb.

This event kindly invited the interested public and experts in the field of humanities, culture, science, history, IT and the research sector to learn more about the Time Machine project as well as the Time Machine Organisation.
I don't know any more about it than that.
manatee2005
Posts: 2136
Joined: Wed Dec 18, 2019 8:17 pm

Re: I want 15% yearly ROI. How to go about it?

Post by manatee2005 »

RobLyons wrote: Thu Apr 22, 2021 6:51 am
manatee2005 wrote: Sun Dec 27, 2020 5:29 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Wall Street Bets on Reddit

I've browsed before but can't stand the interface. It's a mess with all the colors, emojis, memes, etc.
What thread do you follow the "Daily discussion"?
I'm not looking to invest just stand back and observe. Thanks
I don’t go there anymore, the increase of members cos of GameStop ruined it.
mikejuss
Posts: 2749
Joined: Tue Jun 23, 2020 1:36 pm

Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by mikejuss »

If anyone here can answer this question, please let me know. :?:

(Of course, everyone here knows the answer: Beanie Babies. :!:)
Last edited by mikejuss on Thu Apr 22, 2021 10:48 pm, edited 2 times in total.
50% VTSAX | 25% VTIAX | 25% VBTLX (retirement), 25% VTEAX (taxable)
Marseille07
Posts: 16054
Joined: Fri Nov 06, 2020 12:41 pm

Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by Marseille07 »

There are a couple of approaches.
a) Stock picking. You don't need to go after crazy names like GME or COIN. You just need to pick well, like TSLA or the ARK fund.
b) Tactically trade levered ETFs like SSO / UPRO / TMF etc etc.
c) Pay for a subscription service and follow their trades. I'm not allowed to post them here but there are some good ones out there if you care to look.
tradri
Posts: 606
Joined: Tue Mar 23, 2021 5:42 pm

Re: I want 15% yearly ROI. How to go about it? [Croatia]

Post by tradri »

I don't know how to get a guaranteed 15% annual return, but 70% 3x S&P 500 and 30% 3x US treasuries returned a bit more than 14% over the last 65 years when rebalanced annually.

Rebalancing quarterly might get you there (and even above that) over the long-run.
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