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PDF Editor FAQ

What do you think of Golem, Stratis, IOTA, Ripple, Nem and BitShares?

I’m extremely bullish on Bitshares.Some key points:Decentralized Exchange (Big trend in 2018, according to Mr. Mcafee)Collateralized Market Pegged Assets (200% backing or more)Gold Backed Dollar (upma.org)Partnered with the first FDIC insured bank (just announced) along with 700+ preplanned ATM locations.Highest Transactions Per Second Over All Currencies (100,000K/s tested)Consistently more transactions per second than all other currencies LIVE.Extremely UndervaluedI suspect it will move from Top 25 to a Top 10 coin in 2018 or higher.In my view, there is much more than 10x upside from here long term, especially given the news still coming and upcoming releases/partnerships that are brewing.I do believe Ripple may have significant upside from here as well given the announcements that are likely to come out and new adoption by the likes of Japan, etc.Please note, this is not financial advice. I have gotten on the BTS train and I’m happy to keep seeing steady gains.

I have saving of Usd 200,000 and I am 38 years old. How should I invest this amount wisely so that I can have one million when I am 60 years old?

It depends on how aggressive you want to get. A CAGR of 8% will get you there in 22 years.When asked to name the greatest invention in human history, Albert Einstein simply replied "compound interest."Try this: 200K * 1.08. Then hit enter on your calculator 21 more times.A moderate classic 60/40 portfolio will average 8–9% in the past, but many experts think we will not be close to that over the next 10 years.Don't write off the 60/40 portfolio just yet: VanguardMr. Kinniry said he agrees that the performance of the 60/40 portfolio over the next 10 years isn't going to come anywhere close to what it's been historically, mainly thanks to the record valuations and low yields in bonds today. In fact, he warned it could return as much as 50% less than its historical average of around 8% or 9% a year.If you can achieve a higher growth rate you’ll need to work a bit more outside the retail box.From a value standpoint I like these general rules:Invest Simple with Lazy Portfolios - MarketWatch.comSwing For Singles & Bet on Every HorseBuy “Quality” and Never SellNo Market Timing, No Active TradingTrust the Explosive Power of CompoundingIf You’re Not Saving 10%, You’re Spending Too MuchKeep Investing Very Simple, Then Enjoy Doing What You Love

How can some traders average huge yearly gains while investment funds have trouble getting much more than 20% on a good year?

Basically the more money you have to manage, the harder it becomes to find places to continue to yield such high results. That’s because there are only so many good deals around to be had.Even trading strategies have a limit and they have to adjust as the amount of capital grows.The most perfect example of this is Warren Buffet and Berkshire Hathaway.Over his first 25 years at Berkshire, Mr. Buffett’s average annual return was 24 percentOver his second 25 years his performance was 15 percent.Over the past 10 years, Berkshire has averaged 9%.According to him, it’s a HUGE advantage to not have lots of money.https://www.sovereignman.com/investing/warren-buffett-its-a-huge-advantage-not-to-have-a-lot-of-money-19216/Berkshire is now far too big to produce substantial returns.

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