I'm not saying to invest in treasuries forever. My point is that stocks involve risk and if he buys during the wrong time he might lose a lot of money.
If OP is not sure what to do with his extra money, he should go for the safest bet possible.
Stocks can go down, real estate can go down, gold, silver, Bitcoin... same.
The dollar is a reserve currency of the world. If sh!t hits the fan, people will run to the dollar due to its liquidity.
The FED can always print more money. The money can devaluate but you'll get principal + interest.
But if you don't like treasuries, my other suggestion would be to just leave your money in the bank, in an insured money market account. These days you'll get 2%. It's less than inflation but you'll be building liquidity. When a crisis occurs (many will occur in your lifetime), you'll have the chance to "go shopping".
If you're not sure it's a good deal, it ain't.
You keep believing in what you do, its your prerogative to lose all your money.
As former banker and professional trader for many years I know you are way out of your league (like the most average Joe's). Nothing wrong with that.. and I mean no harm with saying that either.
This is however why I said that you should not invest your money unless you really know
what you are doing. 95% of all smaller investors do not know or understand what they are doing and will also lose all their money or most of it.
It takes many hard working years
of professional education and training to fathom this game and loads of data to forecast it. Most of you don't have time for it, (You do have a day job right?
), nor do you have a professional team to assist you and back you up...
So you are basically betting on the horse that you think will win, but you do not understand the mechanics behind and it is obviously not just enough to read a few articles on the internet and then think "you know it" and from that assess how an asset will develop over time.
Instead; invest in yourself, your business, educate yourself in the topic by buying educational courses and books; that would be a better idea where you can control the outcome to a greater degree, than to losing your money on something you really do not comprehend.
I never said that "I didn't like treasures", by the way. That is your assumption. I like whatever the asset is in the moment that that earns me money right now. I have no "favs". Its based on analysis and data, macro economics, and many other factors that determinates what like "right now
With that said, please do not DM me for investing advises/ideas. I won't answer it. Thanks.