Lets squeeze some more out of it.
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2025 - 2028 Buy a property like a 3 bed detached with at least 1/4 acre of land. Within 3-5 years this will be entirely out of reach for even two salaries. REASON: Nobody in power has had the balls to make sure desirable property has been built the past 15 years. Forcing the prices up to numbers only the upper classes can purchase. There is a human instinctive reason for many to live & thrive with this lifestyle.
2025 - 2030 A chunky percentage of money in equities in both the US and the UK will leave the market and be placed into property and paying off mortgages for Gen X, Millenial and even Gen Z. REASON: Financial freedom feels good. Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice Do not underestimate the effect Dave Ramsay has had on the western world.
And whatâs next for the markets?
Three words. Dividend Growth Funds. REASON: Much of these immense rally gains will balance out into quality dividend & growth companies. This is now a senior stock pickers market.
Bitcoin will sketchily hit $100,000 by January 2025 then capitulate into the $50kâs area by 2026 and essentially fluctuate in the $20kâs for a few years.
S&P 500 is staying at 5700 - 6400 for at least 6 months.
Iâm staying fully invested until after the new president is sworn in.
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I can not see an easier swing trade out there than Bitcoin going to $100,000 and OnOn stock going to $58 - both by January 2025.
This is not financial advice.
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Isnât this out of your reach already?
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No better feeling in the world than being debt free. My shares can and will collapse but at least Iâll have a roof over my head.
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If everything goes according to plan, I will join the club between 2038(best case) and 2046(worst case)!
Itâs 14-22 years⊠But I have a plan 
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Good evening 
-
As usual, we selected the best articles published in the past few days 
:
PORTFOLIO CONSTRUCTION
Guides: JP Morgan Guide to Financial Markets
Returns: The S&P 500 is on track for best year since 1995
Strategy: Three Robust Risk Parity Strategies
Living off Your Portfolio: Decumulation Portfolio Strategies
Markets: Stocks, Rates & Gold: Whatâs Going On Today?
Active ETFs: JPMorgan launches a European JEPI - its largest ETF
ETFs
ETF Closures: Global Amundi ETF delisting & what happens next
Best MSCI World ETFs: Our Review
Equity & Bond ETFs: WisdomTree launches a global multi-asset ETF
Active ETFs: JPMorgan launches a European JEPI - its largest ETF
ACTIVE INVESTING
Equity Returns: Equity Sources Of Return By Country
Bitcoin In A Portfolio: Our Guide
Factors: Review of Quality, Value & Momentum Multi-Factor Index
Private Assets: Wall Street Math Wizards Decode Private-Market Returns
PLATFORMS
Interactive Brokers: How To Identify Stock Exchanges In Europe?
Financial Advice: Should Clients Change Advisors When They Retire?
WEALTH & LIFESTYLE
Personal Finance: 14 Lessons On Money & Life
Retirement: Harvard Analysis on Retiring Without Regrets
Portfolio Withdrawals: How to Calculate Safe Withdrawal Rate
Wealth: When Making More Makes Your Financial Anxiety Worse
Taxes: Comparison of Income Tax Rates in Europe in 2024
AND ALSO
Work From Home: Whatâs really behind Techâs return-to-office?
Careers: Ex-Google Recruiter Reveals 8 Secrets Recruiters Donât Tell
Society: Emotional Wellbeing - Singles vs Mated People
Books: Your Money or Your Life - Our Review
Have a great Week-End!
Francesca from BoW Team 
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So heâs done everything that weâre not meant to do which is invest in single company shares 
.
Sometimes, you get this kind of luck, but itâs also a matter of how firmly you hold on to your convictions.
99% of his wealth going back into society that is amazing omaha is going to do really well out of his man
Sadly he recently changed his plans, rather than going to BMGF itâs now going to a new foundation administered by his kids. They have pretty mixed priorities, but donât seem particularly effective so itâs probably best to set expectations low, most of Buffettâs impact is probably in the past.
Itâs still absolutely incredible what heâs done though, heâs donated $39bn already which very roughly might look like saving the life of everyone in Bristol, superhero stuff.
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Itâs starting to happen again⊠Bitcoin madness everywhere, people talking about leverage into crypto. People offering 1BTC to 1 follower on X if it reaches 100k USD
Warren Buffet hoarding cashâŠ
Company valuations quite high, economy not improving as quickly as the stock prices. I donât know when is going to happen, because no one knows, but I am being fearful now. Still invested and investing, but not as hard.
Geopolitical landscape doesnât look great either, but that might have less impact than people expect.
I am really optimistic in general, but I see too much optimism in risky assets.
Not financial advice though 
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110% agree, have been cautious for quite some time, to my detriment and went to 100% treasuries way to soon, now back to 50% and down on the stocks I bought, you couldnât write this sh1t .
But it feels euphoric, everyone is bullish, the charts look straight up and we all know how this one ends.
Buffett says be fearful when others are greedy.
I have the popcorn ready and the fallout show could start tonight with Nvda earnings, then again it might not 
.
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If the wealthy do not need to sell their assets then the price of assets can stay high & grow. The sad reality now is that the assets growing the fastest are ones which put you out of work.
Thereâs been a huge panic buy into nvidia for the same reason I felt in December 2022 before the hype took off, I realised that the owners of businesses are all going to use the a.i. to simplify their lives - not yours. Other futurists caught wind and knew they had to buy to at least get something if it was going to crush them.
There is going to be the mother of all reality checks at some point and I currently do not hear ANY talk from governments on how to support working people through a disastrous recession of failing businesses and unemployment. Even employment right now feels like unemployment for most people due to not earning enough.
I genuinely believe I am right with what I said in 2020 - you have 5 years to get wealthy(ish) and function outside of the system, like owning your property outright, having zero debt, having above average skills, because very very very very soon you will not be able to compete hard enough compared to the ones who have just fleeced the system the past couple decades.
How can you truly compete when the roads go from 70mph to 20mph, a.i. camera fines all over the country growing at a faster rate than doctors, endless endless bureaucracy in day to day life, doubling of insurances with less perks than before, less perks when flying, less opportunities after brexit regarding multiple sectors with one major one being less work travel opportunity, higher energy costs in day to day life and so much policing creeping fully into your personal life to a point where simply speaking can land you with a record.
Youâre seeing public sector strikes, a fleecing of the private sector tax and pensions, a land grab against hard working farmers⊠this is worse than the 1970s.
Many people currently think it is not that bad but thatâs likely because they havenât actually tried to do something and realised the fish bowl seems considerably smaller and those glass walls have closed in tight.
The average person will reply with sayings like âblah blah life goes onâ or âyou must be fun at a partyâ⊠etc etc. What most people will not understand is that so many others are also screaming out loud to the majority of the public actually telling them there are significant issues which are larger than issues which can be swept under the carpet, only a fool would not at least take a peak for themselves.
London looks tired.
The labour government have given up on the private sector.
Money is at full blown speculation of non producing assets.
War now seems inevitable.
But yeah, jokes are still funny, lots of people are still great looking, food tastes awesome, family brings happiness for the most part.
But ÂŁ30k salary in the UK is absolute poverty. Even a respectable man like Dave Ramsay has stated this, itâs below the poverty line. And ÂŁ36k is the average so this is serious and systemic. I am not at all hopeful for the UK, there simply are not more distractions available to keep the public unknowing.
Thatâs whatâs rly going on today.
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What are you investing in with this mindset?
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Nubank is about to enter the UK.
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