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Interest rates dropping, prepare for inflation, and prices, to surge.
Ill gladly refinance my mortgage, but at what cost?
Closing?
Depends on the lender but usually like $4-8k. It's bet that you won't want to change the terms of the mortgage again until your balance is lower than it would be otherwise.
PSA for those needing the reminder: Anyone with any savings should be keeping it in a brokerage account (eg Fidelity, eTrade, Vanguard, etc). Savings accounts at banks don't pay you anywhere near enough interest to keep up with inflation. But with a brokerage you can put that money into a managed fund, which is in turn investing it into the parts of the economy where all the value is going, returning that value to you at like 5%-20% per year. It doesn't need to be a 401K account connected to your workplace, it can just be a standalone account with regular tax. Even after the gains tax it's like an order more growth than a savings account and usually outpaces real inflation. Even if the fund's holdings include things you don't find 100% ethical, it's likely what a bank is investing your savings account money in anyway - Just without sharing the profits with you.
What a fun game. The only way to earn interest is to fund capitalistic ventures that got us here in the first place.
I mean sure, but that's what the bank does with your money anyway when you put it in a savings account.
Nah, just buy gold. Gold has consistently outpaced inflation in just about every time period as high inflation leads to a skittish market who invest in gold and cause the price to buoy. Given the current AI bubble combined with the Trump Effect on global economics, my gold investments have made a killing over the last 12 months and continue to perform really well - even with the dip over the last couple of days.
We never should have got off the gold standard.
Investing everything in one precious metal is terrible advice. It's never going to outperform the market, it literally only helps you in the event of catastrophic market collapse, and if that happens you're never getting it out. Even if you were somehow able to, you'd only be able to withdraw it in dollars anyway, it's not like you have a physical pile of gold in a vault with your name on it.
Fair, and that’s why I personally have a portfolio of metals, but gold regularly outperforms inflation - especially in troublesome economic times such as we’re in right now.
Not sure what the rules are where you’re from, but I have a literal pile of gold, platinum, palladium and silver bullion in a safe in my home. Yes, I absolutely have a physical pile with my name on it - when I decide to put a sticky note on it and write my name on it.
Why? Like even if society collapses, what are you going to do with it? You can't eat it.
I’m hedging that society won’t collapse. You might as well ask why I bother to show up at work - if society collapses the money I earn won’t be worth anything. If I’m betting on society to collapse, I’d be investing in stocking a bunker with weaponry and canned foods. I don’t see that as being a valuable investment yet.
Don't forget the AI. You have made your house a target. Maybe not now but if you haven't been careful your real life identity can be deduces automatically from what you have posted.
Are there enough shares for everybody to buy? If not and people only own index funds then where do those funds put the money?
Stocks are arbitrary units of corporate account and companies always want new investors, if there's so much demand for their stock that there's no supply they just issue more stock. But open-ended mutual funds - The type I'd recommend investing in - Aren't priced by share because they aren't traded on exchanges. They're priced by a similar metric called Net Asset Value or NAV. Investopedia explains it better than I can.
They also buy back shares and reduce their shareholders.
The ROI will drop if companies have too much money.
That just shifts my question. What can those funds buy?
It depends on the fund. Mutual funds have a prospectus that defines exactly how they'll behave. Some funds leave room for management discretion while others are almost mechanical. They make their holdings public, so you know exactly what they're composed of. I don't think there's much limit on what they could buy, it's defined more by the strategy of the fund.
Does that answer your question? I wasn't really even sure what you were asking just doing my best to be informative.
It's helpful but I am worried about something else. Imagine an Island with 100 inhabitants and $10 each. If there are only 2 companies for $200, what do the other 60 people buy to avoid inflation?
As they're a completely disenfranchised social majority on an island with a population tiny enough for everyone to know everyone else and a robust enough technological base to justify something like a stock market, they buy nothing and successfully institute anarcho-communism! :D
But to take the scenario seriously: Assuming that there was still demand for the shares among the population, the people seeking shares would offer more money for them than they were originally worth, until some of the people who own them considered it worthwhile to sell. If this alone doesn't sate demand then the two stock-issuing companies would almost certainly issue more stock, ideally enough for them to raise more funding but not so much that the increased supply overwhelms demand and drops the price per share. They could also split the stock: Every share in circulation instantly becomes two shares, worth half of an older share at time of split. Depends on which market outcomes the companies are seeking. But basically the response to your scenario is that stock issuance is completely arbitrary (Within regulatory limits, whatever they may be) and up to the issuing company, and a market with demand is a market that will be offered shares because to a company it's just fundraising waiting for the taking. The only thing they can't do is disappear stock in circulation, if they wanted to remove stock for some reason they'd have to buy it back from holders on the market.
The problem is that shares cannot rise arbitrarily in price because the value depends on the profits.
On the other hand, if there are no new business opportunities, handing out shares decreases profits per share and thus also their value.
I want to show that not everybody can invest their money in funds or the ROI would crumble.