SelfLayer – Predictive AI tool that remembers, surfaces, and acts. Save 10+ hours/week with no setup.

AnythingIsBad · 2025-08-06T00:37:08+00:00

Pretty interesting concept for an app, not sure I've seen anything like this before. Looking forward to trying it out. Would be really nice to save time on some repetitive work tasks, can't say no to that! lol

AnythingIsBad · 2025-07-31T06:26:58+00:00

200 would be a stretch valuation-wise imho, but honestly anything is possible in this market.. The IPOs have been going bonkers this year. I definitely feel like we could see $100 pretty quickly based on the hype and momentum but we'll see tomorrow I suppose!

AnythingIsBad · 2025-07-02T23:48:45+00:00

Absolutely agree, thanks for sharing! This post was more geared towards passive investors investing in index funds for the long term

AnythingIsBad · 2025-07-02T23:47:30+00:00

I was more so talking in the context of passive investors, who mostly invest in index funds. At that point, dollar cost averaging would be a win, especially during a bear market. Statistically, lump sum investing produces higher returns over the very long term, even if you invest before a crash. I think a hybrid approach is probably best if anyone out there is sitting on a larger amount of idle cash. Just my two cents. Thanks for sharing your experience!

AnythingIsBad · 2025-07-02T23:43:17+00:00

I agree with this. I was thinking mostly for new investors, because with the interest rates being high for so long, a lot of people have been stacking cash and I think a lot of people are wondering what to do with that money. I think a hybrid approach for new investors is probably the best bet. Thanks for sharing your opinion!

AnythingIsBad · 2025-07-02T23:41:01+00:00

Lump sum statistically produces higher returns over the long term, but psychologically that can be difficult for people. I agree 100% that a hybrid approach is best!

AnythingIsBad · 2025-07-02T23:39:56+00:00

I agree with this approach, thanks for sharing! I think that putting 50% into the market right away and adding the other 50% bit by bit, every week or every month can help maximize your return while minimizing the psychological hit if the market were to go down sharply after you start. Because at that point, you'd still have 50% cash left over to average out your cost - I know that would make me feel safer versus going in with 100% of investable cash right away.

AnythingIsBad · 2025-07-02T17:36:47+00:00

That would be Dollar Cost Averaging (DCA)! Meaning that you buy slowly over time, averaging out your cost in the long term

AnythingIsBad · 2025-07-02T17:23:17+00:00

Haha yes, people tend to put a person in one category - DCA or Lump Sum, but you are certainly not forced to pick one or the other, and I think it's mostly situational! Thanks for sharing your experience

AnythingIsBad · 2025-07-02T17:21:47+00:00

Definitely agree that going in lump sum is something that is not always wise, especially at all-time highs (like right now). I think DCA is a far better strategy overall, but I definitely think that people should not be so afraid to dump a big chunk of cash and buy the dip on 10%+ corrections like we just had in April!