Investing Odds And Ends: How Lunch Money Can Help Your Retirement
It amazes me the number of folks who complain they dont have adequate dough to retire with, however, continue to spend some money every week hoping that this week may very well be their week to win huge simply by winning the lotto. When chances of winning the Powerball lotto is about 1 in 80 , 000 , 000, the odds are not quite to your advantage.
Let us put it this way, should you pay out $10 per week trying to play your favorite lotto, and can receive 6.5% annually, over twenty five years, you would have just under $31 000.
Should you also purchase lunch each day, think about setting those funds away as well. At an average of $10 per day + $10 for the lotto, if you put those funds away, one could have $185 360 by the end of twenty five years.
Imagine that — you would add on $185 000 for your retirement in twenty five years just by bagging a lunch on a daily basis, and not trying to play the lotto. Amazing how far $60 per week gets you.
So, imagine if you can receive 9% buying top quality stocks? (since 1900 – 2010, the average return on investment is 9.4%)
Would you believe bringing a lunch to your workplace and not trying to play the lotto can make you $286 771 richer in twenty five years should the equity market returns an average of 9% annually? A quarter of a million dollars.
Therefore think of that the next occasion you place your lunch order!
Now how is it possible to make 9% or maybe better? You could consider small cap stocks given that with any luck ,, this new found bundle of money represents only a tiny portion of your overall net worth. Since this money was going to be frettered away buying lunches and lotto tickets — you can afford to be a bit more aggressive with your money – however, that is definitely not to propose you need to bet it — only that you really can afford to take on a bit more risk. A wise approach would be to take 5% of your new found wealth and buy penny stocks.
The types of small caps to buy and sell aren't the types which have minimal volume and little when it comes to sales. Find stocks that trade not less than 250 000 shares each day, possess a growth rate of at least 20% and really should be profitable. It may take a little time for you to locate them, however , these gems place the likelihood of success to your advantage — you may even choose to find stocks that are trading at their 52 week high — as these stocks typically continue moving higher.
Tags: purchase lunch, small cap stocks, quality stocks, twenty five yearsFiled under 28 by 
Comments on Investing Odds And Ends: How Lunch Money Can Help Your Retirement
i agree with you. research is very important for a serious investor who wants to make the most cash with the least risk. i also prefer small caps as they are hard to find as in they are not known by the general public. getting your hands in info like that is a jackpot.
BTW i am currently writing up a post on penny stocks and i will link back to your lens. thank you very much for the comment
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Here’s the thing, anyone who actually trades accepts that any trades based on technicals, are quite likely to be 50/50, thus no judgement would be attached to losing trades…it’s simply a fact of life.
True enough, but he readily admits to getting out of losers quickly as well.
He actually DOES find a higher number of winners, though, and I beleive it's because he takes advantage of periods like this, when small caps are "melting up."
He prescreens well and is assidously prepared for these periods.
He is very disciplined, actually.
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Here’s the thing, anyone who actually trades accepts that any trades based on technicals, are quite likely to be 50/50, thus no judgement would be attached to losing trades…it’s simply a fact of life.
True enough, but he readily admits to getting out of losers quickly as well.
He actually DOES find a higher number of winners, though, and I beleive it's because he takes advantage of periods like this, when small caps are "melting up."
He prescreens well and is assidously prepared for these periods.
He is very disciplined, actually.
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