[thomascgalvin]

This, 100%. No hustle, no gimmicks, just the same passive investing advice we've known for like thirty years now.

If you're in your twenties and thirties, it is absolutely worth scrimping and saving to put as much as possible into a retirement account that tracks the S&P 500, or the worldwide stock market, because this is the single surest way for "normal" people to retire rich.

[nly]

There are a lot of people who think that returns are going to be lower going forward due to 1) reduced productivity, 2) more people investing with too much liquidity looking for a home, and 3) high starting valuations.

I don't have much of a better idea tbh but I'm always seeking alternative investments.

[thomascgalvin]

That's the primary reason I mention a total-world fund. A lot of people expect the US to be flat for the next few years, with a corresponding uptick in the world market.

[exhilaration]

Can you recommend a total world fund?

[thomascgalvin]

VTWAX is the gold standard:

https://investor.vanguard.com/mutual-funds/profile/VTWAX

If you don't want to dump $3K in one go, there's VT:

https://investor.vanguard.com/etf/profile/VT