Z
Zillow Group, Inc. Class C Capital Stock
stock NASDAQ

Just buy (V/X/Z)EQT if you’re in Canada and want 100% stocks. I don’t think bonds are necessary for your age, but you are concentrated in one sector (tech), one country (US), one size (large cap), and one style (growth). And you pay currency conversion fees to buy QQQ (CAD to USD and USD back to CAD).

You are Gen Z aren't you?

Facebook is unc in Gen Z terms

Du brauchst als Langzeitanleger keine Markttrends. Mit dem all world biste so breit gefächert, dass du einfach auf generelles Wirtschaftswachstum setzt. Die Frage ist eher, ob du noch etwas anders gewichten willst (z.B. ist der US-Anteil sehr hoch). Für Aktien bist du damit aber eigentlich langfristig schon gut aufgestellt.
Ich würde mir noch überlegen, ob du abgesehen von Aktien noch in andere Assetklassen investieren willst, und dich so noch etwas breiter aufstellst. Z.B. Edelmetalle (Gold, Silber etc.), Bitcoin oder langfristig auch Immobilien o.ä.

Ich würde es nicht machen.

Für den normalo deutschen Anleger der 15+ Jahre investiert hat und hohe 6-stellige Buchgewinne hat, gibt es effektivere Lösungen. Z.B. für 1 Jahr in ein Niedrigsteuerland auswandern um die Buchgewinne zu realisieren und dann zurück nach DE.

idk, I have 2 Gen Z kids. They both own nicer homes than the first one we bought in the 90s. And they both have many more acres of land than we have now.

Gen Z has cut down on their effort at work because they do not think it is worth it if they cannot afford long-term financial goals, per YF

Das habe ich doch im 2. Absatz sogar mit Beispiel erklärt.
Was interessiert es, dass es nur eine begrenzte Anzahl von Dingen vom Typ X gibt, aber an Typ X nichts besonderes ist und er jederzeit gegen Typ Y oder Z ersetzt werden könnte oder auch gar keinen Typen? Es gibt auch eine begrenzte Anzahl von 1990er Happy Hippos, die sind trotzdem nichts wert (was einige Leute in den Neunzigern auch nicht geglaubt haben, BTW).

Z cash has worse privacy than MWEB and it has had counterfeit bug in it and its promoted, pumped and shilled by institutions
why would you choose it again? because it says its a privacy coin? imo because their only argument is "privacy" and its clearly shit and monero exists and has existed for longer its a pretty dumb choice
im not even sure trocador.app accepts zcash they accept litecoin and you can quickly and easily buy monero with litecoin and all CEX accept litecoin and it has better privacy

To be fair I think Z went all in and even changed company name to META just to get away from the Cambridge Analytica shit show.
He's a lizard, look who just became META new president.

Gen Z doesn't want box wine, they want craft beer at $20 a six-pack and they want to drink it at the micro-brewery, not at a bar. And they aren't taking anyone home with them because they still live with their parents.

Z cash is great bro don’t hate on it. Ion be hating on monero. Nothing wrong having more than one privacy option available

I'm on the older side of Gen Z and my exciting, and only, investing option is the US total stock market. Most people I meet though talk about cryptocurrency or individual stocks. I'm not sure if crypto is different now but it would've been a great return if I kept money in it since 2018 or so. But it's almost impossible to know with that stuff and I just spent my crypto returns on a new 1000cc motorcycle as a teenager. Index and money market funds is all I do now.

Deine Frage ist ja, ob das ein no-Brauner ist. Das ist es nicht unbedingt, denn du hast ja auch Nachteile.
1) Du hast höhere Gesamtkosten: Wenn es sehr Kante gerechnet ist, belasten die höheren Kosten zusätzlich.
2) Bei gleicher Tilgung von 1% hast du eine Höhere monatliche Rate wenn du 30J nimmst.
(Apropos: Bei 1% Tilgung wirst du über 40 Jahre tilgen müssen, nicht nur 30Jahre)
3) Du hast ggfs. unnötige Kosten: Wenn du nach 10 Jahren die Option ziehst um raus zu gehen, hast du 10jahre lang höhere Kosten gezahlt, die du nicht gebraucht hättest.
4) Du erkaufst dir Sicherheit, dass deine Finanzierung in 10 Jahren noch steht: Das kannst du auch noch anders lösen, z.B. mit forwarddarlehen oder Bausparvertrag. (Ist ggfs etwas günstiger)
5) Du hast Opportunitätskosten. Die 17k könntest du anders anlegen. Z.B. Risikoarm mit 3-4% oder risikoreich mit 10+%
Heißt nicht dass du es nicht machen solltest, wenn es zu dir passt. 👍
Aber du hast nach den „Nachteilen“ gefragt.

You are absolutely and completely correct. But that's not a gen Z issue, that's the lower 90% of earners issue. The problem for gen Z is that they don't have an inflation proof asset, like a house, because they havent had the time to get it.
The reason I am being so petty is because we are deliberately pitted against one another. Like 'other generations are screwing gen z', or ' millenials are killing the next whatever industry', or whatever. In reality, our country is being systematically taken apart by criminals and robber barons, and it's not each other we should be fighting for, and we shouldn't compare who has it worse *instead* of fighting. We should just fight for justice and fairness.

It isn't just Gen Z. I'm a millennial. I feel like I have nothing to live for 

30% of that generation is in high school and over 50% are in such early stages of young adulthood, these statistics have been true for nearly every generation at this point in their lives. I don't recall any 18-25 year old's of any generation announcing "Wow, I am well-paid, my 401k is full, and I own everything I could ever dream of."
But in general, yes, as Gen Z grows up and wealth continues to be further constricted and centralized to a lucky few, there will be no savings nor investing. This is the consequence of psuedo-capitalism where instead of a balance between risk and payoff, there is only infinite growth and no risk. The vast majority of the population will continue to donate to this idea of infinite growth, losing everything, while the wealthy few making the "risky investments" receive infinite growth with no loses.

Kind of a skewed view point. Most Gen Z are in their 20s. They are in the same situation Millienials were in which they cant afford anything at that age range. However once they are in their 30s and 40s and attain some more money from a better job position and a 2nd income from a spouse or partner...they will see that they again can't afford shit. The end.

The problem is the huge disconnect between the old fuck law makers and policymakers and their understanding of what the Gen Z are going through. It’s like a penguin trying to understand how a parakeet feels when it flies. The only hope is prolly the millennials to hold positions in politics and hope for change

H O U Y and Z need some representation. Otherwise, alphabetically, it’s very diversified.