The Big Everything Bubble - Where to now

Court Jester

Court Jester

Well-Known Member
Silver Stacker
I am lost currently I look at things and see a giant bubble of everything waiting to pop and not sure what to do with my investments going forward

I currently have most of my spare cash tied up in shares and a little bit of crypto and silver

My Super I am with a large super fund NOT self managed but do use their investment allocation tools and have

37% in Aus shares
15% in International hedged shres
33 in international un hedged shares
and listed property and unlisted assets make up the balance these I am guessing is mostly ETF's I cant / dont select individual shares etc in these cateogries.



Outside of my super I currently hold GEM, WOW and NAB shares and a very small amount of crypto and silver still

I am still a long way from retirement at 41 and still have young children at home. I have no debt and own my house and cars outright no loans and have approx 5k cash in bank as I keep most spare cash invested in shares which are pretty liquid if I need more than I can cover with cash or my CC.

I realise I cant actually touch my super fund for a while yet put it is still one of my largest assets and I do take it into account when looking at what to invest in.

I am curious as to what others if they were in my situation where do you see value in the current environment and would start investing your free cash into

Should I put it all on Red at the casino or buy gold even though its at record highs like the share markets and basically everything else currently or just sell everything and move to all cash
 
Real estate, you'll need to go into debt, utilise the value in your principal place of residence.
 
Shiney is correct BUT…..
What’s your risk appetite?
How secure is your employment going into a not so stable future?
I my self never used the equity in my home to purchase another property because I preferred security for my family in stead of wealth gain. I used savings and other assets to purchase
my first IP then used the equity in that. I never invest unless it’s a sure thing and always ready to liquidate when it’s no longer
You’re in your 40’s with young kids it’s not ideal to take big risks.
Slow and steady (patience) wins the race, not keeping up with the Jones.
For perspective, I’m 55, 3 adult kids own their own home, retired 5 years ago and haven’t owned any property since 2022, not to say I won’t in the future but not yet and it will only be a IP.
My 2 most valuable tip is to ALWAYS do your own homework and throw out the TV
 
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betterinvestmentthanshare said:
Shiney is correct BUT…..
What’s your risk appetite?
How secure is your employment going into a not so stable future?
I my self never used the equity in my home to purchase another property because I preferred security for my family in stead of wealth gain. I used savings and other assets to purchase
my first IP then used the equity in that. I never invest unless it’s a sure thing and always ready to liquidate when it’s no longer
You’re in your 40’s with young kids it’s not ideal to take big risks.
Slow and steady (patience) wins the race, not keeping up with the Jones.
For perspective, I’m 55, 3 adult kids own their own home, retired 5 years ago and haven’t owned any property since 2022, not to say I won’t in the future but not yet.
My 2 most valuable tip is to ALWAYS do your own homework and throw out the TV
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My profile is old here I have moved to a regional part of QLD I am no longer on the Gold Coast my house would be worth approx $700k

Not afraid of some risk but after having paid off my mortgage on my PPOR i am not keen on using it as collateral if I can avoid it as moving to the regional town a large part of the appeal was paying off the mortgage.

Employment wise I dont hate my job but I dont love it either for context I work in IT for the local council and make approx $108k/year it should be relatively safe employment but other options in my field in the town are limited at that pay scale.

I have had an IP -- when I moved here I kept the house on the GC and had tenants in there but sold it when they irritated me when I wanted to raise the rent by $20/wk after renting to them under market rates initially (for just the house) and having kept it the same price for over 2 years and including power and water in the cost of the rent as a bonus they complained at a very modest $20/week increase so I said f**K gave them notice it and sold it.

also I look at the price of housing around Aus and think it is also in a giant bubble like everything else

Should I just get a large margin loan for leverage instead and buy Aus property ETF's
 
Another tip
Keep emotions out of investing, it allows for better judgment and choices

not sure about your thinking, worried about “giant property bubble” so get a “large margin loan for property etf” am I missing something?
 
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betterinvestmentthanshare said:
Another tip
Keep emotions out of investing, it allows for better judgment and choices

not sure about your thinking, worried about “giant property bubble” so get a “large margin loan for property etf” am I missing something?
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yes I dont like either option much I could also do none of those things but with the margin loan I would not be putting my property up as collateral.

fucking Albo and labor policies with this low deposit scheme they just introduced

I jsut looked at my suburb and there is one house listed on realestate that is not marked as under offer currently
 
Court Jester said:
also I look at the price of housing around Aus and think it is also in a giant bubble like everything else
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Precious metals and crypto are at risk of crashing and no one in power would care. RE and stocks on the other hand would create a huge problem if they crashed.

The idea of a Plunge Protection Team is not in the realm of cooker fantasy any more and the government would step in and provide market support should either of those 2 markets look like crashing.

RE prices and shares are on a long term trajectory north. The former is a long term investment which allows you to ride out any dips or sideways price action.
 
mmm....shiney! said:
Precious metals and crypto are at risk of crashing and no one in power would care. RE and stocks on the other hand would create a huge problem if they crashed.

The idea of a Plunge Protection Team is not in the realm of cooker fantasy any more and the government would step in and provide market support should either of those 2 markets look like crashing.

RE prices and shares are on a long term trajectory north. The former is a long term investment which allows you to ride out any dips or sideways price action.
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both have crashed before and were bailed out and much of the inflation and money that poured into the system causing the problems is from those bailouts
 
so basically you would buy an IP or keep doing what I am doing which is just buying shares as I can.
 
Most etfs in the US are in a bear market and dropping fast.

There are a few still in the bubble phase but it won't last.
 
Today's pullback might be great time to grab some metals or it could drop more

The way they've been running they could be right back up tomorrow.

The selloffs have been bought right back up lately.
 
JohnnyBravo300 said:
Today's pullback might be great time to grab some metals or it could drop more

The way they've been running they could be right back up tomorrow.

The selloffs have been bought right back up lately.
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I would not be putting any significant amount in to metal at the moment epically silver it will as it has always done crash back down hard and then do nothing for 10 years or more
 
Court Jester said:
I would not be putting any significant amount in to metal at the moment epically silver it will as it has always done crash back down hard and then do nothing for 10 years or more
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Surely you have to take in to account the current economic climate, collapse of fiat and exponential debt!
Crashing back down and not recovering seems a distance memory, but time will tell I guess.
 
DJE said:
Surely you have to take in to account the current economic climate, collapse of fiat and exponential debt!
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A thorough understanding of how a modern monetary system operates would indicate to any potential investor that (a) there is no risk of fiat collapsing nor (b) any threat from exponential debt.

Further, our current economic issues are a result of government inaction on fiscal policy and a largely sole reliance on monetary intervention because our policy makers don't understand (a) nor (b).

Our policy makers have the tools to prevent a crisis yet they don't use them to the best advantage.
 
Should another GST-like event occur, our policy makers have the tools at their disposal to address the crisis, they just need to realise that.
 
mmm....shiney! said:
A thorough understanding of how a modern monetary system operates would indicate to any potential investor that (a) there is no risk of fiat collapsing nor (b) any threat from exponential debt.

Further, our current economic issues are a result of government inaction on fiscal policy and a largely sole reliance on monetary intervention because our policy makers don't understand (a) nor (b).

Our policy makers have the tools to prevent a crisis yet they don't use them to the best advantage.
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Well there’s plenty of analysts who claim to have a “thorough understanding of how a modern monetary system works” as you call it, that disagree with your ‘opinion’
I guess time will tell :)
 
Oddjob said:
Whatever Larry Fink / Blackrock invest in...They never lose.
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Be like Larry.
The secret to any success is not only think outside the box, but think as if there is no box.
Ignore all the constraints as they belong to other people and ride roughshod over all obstacles.
 
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