Stock Market Investing has Changed: Be careful in 2024

With the S&P 500 hitting the highest highs ever at over $5000 this provides a lot of risk in stock market investing. This could lead to the biggest stock market crash of our lifetime.

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How to invest in 2024 with ETF investing and solid investing strategies for stock market investors. Investing in the S&P 500 at all-time highs in 2024!
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The S&P 500 just hit the highest high of all time it broke $5,000 which is just insane but this is actually very scary for those of you that are investing in 2024 2024 is going to bring the biggest crash of our lifetime risk in the stock market is actually at an all-time high

It doesn’t feel like it because things are going so well and if you had invested $110,000 a year ago into the S&P 500 your $10,000 would now be almost $12,300 making you $2,300 in just one year from passive income but today we’re at the height of the market and there

Are literally hundreds of reasons why this stock market is actually on very thin ice and it can break at any minute this video is going to explain some of my biggest concerns it’s going to explain how you can stay safe during this possible recession and market crash

And then I’m going to explain my exact strategy for the next couple of months I’m going to be adding a little bit of spice to my investing because we could definitely all use a little Spice in our lives the stock market could plummet and so I’m waiting to invest the bulk of my

Money for a couple of key things more people are being laid off or fired in 2024 than expected Newsweek reported that more than a fifth of Americans are without any savings and another fifth have less than $11,000 in their bank account us workers are getting scooped up by International companies which may

Hurt the US Stock Market delinquency rates on credit cards and auto loans have spiked to their highest since the Great Recession my dad’s actually a bankruptcy lawyer and I remember seeing these signs in 2008 leading up to 2009 as back then credit card delinquency rates went up and then auto loan

Delinquencies went up at that point the fall came very quick if people can’t pay these bills and then they get caught up in that highin debt then the only thing left for them to do is file for bankruptcy and at that point the stock market crashes quick credit card debt

That moved into serious delinquency which is 90 days past due was 6.4% in the fourth quarter of 2023 which is a 59% jump from just over 4% at the end of 2022 job postings are down 15% over the past year plummeting 31% in finance and 44% in software development roles if

Unemployment Rises that’s another big sign for a recession so all those and more are just things that are happening outside of the stock market and macroeconomic as a whole looking at the actual stock market though things are even very scary there yes the S&P 500 and most major indexes are up big this

Year already but specifically the S&P 500 is being propped up by just seven companies the Magnificent 7 accounted for 45% of January’s S&P 500 return the obvious problem there is that if any one of those companies are to stagnate or possibly fall that’s going to make the

S&P 500 and stock market overall drop as well now at this point with all this vol ility some are looking to hedge funds because at that point at least somebody professional is going to be managing your money and maybe they have more insight than you do they move your money

Outside of certain funds if they start to see the data or Trend showing that that’s going to drop so that you don’t lose as much money and then you put that into a different fund or a different place so that hopefully we can maximize on the gain there is definitely

Something very interesting about this that the finance industry does not want you to know but I’m going to tell you and this is is going to make you very rich first though we all invest to increase that net worth and to hopefully have some savings or safety down for a

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Now being at the top of the market where the S&P 500 is hitting all-time highs it’s a time that we’re starting to think what goes up probably has to come back down we can’t just leave our money in that fund can we shouldn’t we use hedge funds to hedge our bet and let

Professionals do their job and make us some money well Financial Times reported some interesting data over the past 5 years investors have pulled over $5 billion from Equity hedge funds an investor who put $100 into an equity long short hedge fund 10 years ago would now have an average of about1 $63 had

They invested in vanguard’s S&P 500 tracker with dividends reinvested they would have $310 you can see very clearly here that the S&P 500 has outperformed as the S&P 500 is in navy blue while the hedge fund is in light blue one of the big reasons for the outperformance is the fees

Associated with the hedge fund that chart that we just looked at was showing performance including the fees so what am I going to do with all of this information the first thing that I’ve actively changed is that I’ve actually started to add just a little bit more

Into my high yield savings accounts with rates still very high until the actual rate Cuts start to happen it’s a no-brainer to hold your money in these high yield savings accounts and get a guaranteed 4 to 6% on your money the reason that I’m adding more here is

Twofold number one is just safety it gives so much peace of mind to even have one extra month of living expenses just sitting in a guaranteed account like that number two though is just betting that the stock market might actually drop now do not advocate for timing the

Market in general but this is almost a hybrid strategy and I’ll explain that further by telling you exactly the rest of what I’m doing here in 2024 so as far as investing I’m still dollar cost averaging into the ETFs that I believe in wholeheartedly the S&P 500 is at

All-time Highs but it’s also been at alltime highs hundreds of times and statistically those were great times to invest looking back on it now for example as you can see on June 5th 2015 15 the market was at an all-time high the absolute highest it had ever been at

$2,092 now yes by October of that year it had dropped to 1,950 which at the time would have seemed terrible but just one year later in October of 2016 the market had reached new all-time highs and now at $2,141 and then less than 9 years later

Today the market is at over $5,000 so investing at the absolute top of the market in 20 5 would have increased your wealth by over 250% let me say that again investing at statistically the worst time at the absolute top of the market still would have increased your investment by over

250% in less than 10 years and we see this over and over and over again with the S&P 500 because it has so much history and because it’s been through so many recessions and recovered so yes we are at all-time highs today and our human psychology is saying we’re at the

Top this is kind of scary it has to drop and it probably will drop but as the saying goes time in the market is better than timing the market we just have no idea when it’s going to drop if it’s going to drop and if so how much it’s

Going to drop I am continuing to invest every single month into my three fund portfolio of an S&P 500 ETF a dividend ETF and a mixture of growth ETFs as far as my moderately hybrid strategy since I do believe that time in the market beats timing the market but I also believe

That this Market is bound to drop a bit and there’s a possibility that it drops more than a bit with my total amount of investable income or disposable income I’m putting about 80 to 85% of that into my 3 ETF portfolio but then I’m setting aside about 15 or so% into the high

Yield savings account for a rainy day if the market does drop considerably like 20% or more I’ll take all of that money from the high yield savings account and throw it directly into my 3 ETF portfolio with this being an election year and with all the stats that I

Highlighted before this year will definitely be an interesting one and so I’m setting myself up for the best possible outcome to check out more details on my three fund portfolio check out this video here and if you’re already one of the thousands of investors that’s already investing in

That new three fund portfolio then check out this video instead to keep learning and keep growing