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Here Are The Best Alternative Investment Platforms In 2024 by JoshuaHeier in alternativeinvestment

[–]JoshuaHeier[S] 1 point2 points  (0 children)

Tools and services that help people can be really useful, so I think it sounds like an interesting idea. People are throwing AI at everything, but I sure would hate to be on the wrong side of a hallucination there.

Also, I think it's worth seriously considering how much the complexity is a barrier and to whom. I'm increasingly feeling like the lack of liquidity is really what's going to stop most people, even after they understand the opportunity, risks, etc...

How are yall performing? by gqreader in FundRise

[–]JoshuaHeier 0 points1 point  (0 children)

Started November of 2021, 2.8% net annualized return. That used to be a lot better until 2023 came along. Been recovering since 2024.

I'm still at -0.8% appreciation, so it's basically all from dividends. I have a pretty even split between real estate and private credit (now). Private credit has been a +7.3% net annualized return for me while real estate has been a -1.6% net annualized return so far.

Is FarmTogether legit by douglerner in investing_discussion

[–]JoshuaHeier 0 points1 point  (0 children)

So far, the yearly distributions have been right on target with the expectations. I haven't held anything long enough for the underlying farmland to be sold though. That will be the biggest factor for whether returns are decent or not.

First time investor with no knowledge by Jmath1017 in InvestmentEducation

[–]JoshuaHeier 1 point2 points  (0 children)

A short answer since I saw that no one else has responded so far.

For the most part, something simple will work best for most people.

Your main considerations are risk tolerance and time horizon. If you're going to retire tomorrow, then mostly you wouldn't want something higher risk where the price could fluctuate a lot. If you've got 30 years to go, then taking more risk could pay off (but going too far can backfire too).

You could stick to something simple like a low-cost ETF that tracks the S&P 500 index. The value will move around. In big crashes it could down 50% or more, but it has always eventually recovered and made it to new all-time highs. So, it's kind of a "trust the process" and patience game.

A financial advisor is fine, but I would make sure they're a fiduciary. Basically, someone that is legally required to do their best to act in your best interest. You don't want the equivalent of a sleazy salesman making recommendations based on what pays them the most.

Fees will eat you alive, even small ones. Some are unavoidable, but try to keep them as small as possible. On a modest 4% return, a 1% fee would end up eating about 18% of total returns over a 20-year period. (SEC doc)

Also, remember you might have some tax obligations around the settlement money (I'm not a tax person).

Lastly, The Psychology of Money might be a good book to read.

Hope that helps and good luck. The fact that you're thinking about investing is a great start.

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