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How I do and don't use agents

https://twitter.com/jessfraz/status/2019975917863661760
1•tosh•3m ago•0 comments

BTDUex Safe? The Back End Withdrawal Anomalies

1•aoijfoqfw•6m ago•0 comments

Show HN: Compile-Time Vibe Coding

https://github.com/Michael-JB/vibecode
1•michaelchicory•8m ago•0 comments

Show HN: Ensemble – macOS App to Manage Claude Code Skills, MCPs, and Claude.md

https://github.com/O0000-code/Ensemble
1•IO0oI•12m ago•1 comments

PR to support XMPP channels in OpenClaw

https://github.com/openclaw/openclaw/pull/9741
1•mickael•12m ago•0 comments

Twenty: A Modern Alternative to Salesforce

https://github.com/twentyhq/twenty
1•tosh•14m ago•0 comments

Raspberry Pi: More memory-driven price rises

https://www.raspberrypi.com/news/more-memory-driven-price-rises/
1•calcifer•19m ago•0 comments

Level Up Your Gaming

https://d4.h5go.life/
1•LinkLens•23m ago•1 comments

Di.day is a movement to encourage people to ditch Big Tech

https://itsfoss.com/news/di-day-celebration/
2•MilnerRoute•25m ago•0 comments

Show HN: AI generated personal affirmations playing when your phone is locked

https://MyAffirmations.Guru
4•alaserm•25m ago•3 comments

Show HN: GTM MCP Server- Let AI Manage Your Google Tag Manager Containers

https://github.com/paolobietolini/gtm-mcp-server
1•paolobietolini•27m ago•0 comments

Launch of X (Twitter) API Pay-per-Use Pricing

https://devcommunity.x.com/t/announcing-the-launch-of-x-api-pay-per-use-pricing/256476
1•thinkingemote•27m ago•0 comments

Facebook seemingly randomly bans tons of users

https://old.reddit.com/r/facebookdisabledme/
1•dirteater_•28m ago•1 comments

Global Bird Count Event

https://www.birdcount.org/
1•downboots•29m ago•0 comments

What Is Ruliology?

https://writings.stephenwolfram.com/2026/01/what-is-ruliology/
2•soheilpro•30m ago•0 comments

Jon Stewart – One of My Favorite People – What Now? with Trevor Noah Podcast [video]

https://www.youtube.com/watch?v=44uC12g9ZVk
2•consumer451•33m ago•0 comments

P2P crypto exchange development company

1•sonniya•46m ago•0 comments

Vocal Guide – belt sing without killing yourself

https://jesperordrup.github.io/vocal-guide/
2•jesperordrup•51m ago•0 comments

Write for Your Readers Even If They Are Agents

https://commonsware.com/blog/2026/02/06/write-for-your-readers-even-if-they-are-agents.html
1•ingve•52m ago•0 comments

Knowledge-Creating LLMs

https://tecunningham.github.io/posts/2026-01-29-knowledge-creating-llms.html
1•salkahfi•52m ago•0 comments

Maple Mono: Smooth your coding flow

https://font.subf.dev/en/
1•signa11•59m ago•0 comments

Sid Meier's System for Real-Time Music Composition and Synthesis

https://patents.google.com/patent/US5496962A/en
1•GaryBluto•1h ago•1 comments

Show HN: Slop News – HN front page now, but it's all slop

https://dosaygo-studio.github.io/hn-front-page-2035/slop-news
7•keepamovin•1h ago•1 comments

Show HN: Empusa – Visual debugger to catch and resume AI agent retry loops

https://github.com/justin55afdfdsf5ds45f4ds5f45ds4/EmpusaAI
1•justinlord•1h ago•0 comments

Show HN: Bitcoin wallet on NXP SE050 secure element, Tor-only open source

https://github.com/0xdeadbeefnetwork/sigil-web
2•sickthecat•1h ago•1 comments

White House Explores Opening Antitrust Probe on Homebuilders

https://www.bloomberg.com/news/articles/2026-02-06/white-house-explores-opening-antitrust-probe-i...
1•petethomas•1h ago•0 comments

Show HN: MindDraft – AI task app with smart actions and auto expense tracking

https://minddraft.ai
2•imthepk•1h ago•0 comments

How do you estimate AI app development costs accurately?

1•insights123•1h ago•0 comments

Going Through Snowden Documents, Part 5

https://libroot.org/posts/going-through-snowden-documents-part-5/
1•goto1•1h ago•0 comments

Show HN: MCP Server for TradeStation

https://github.com/theelderwand/tradestation-mcp
1•theelderwand•1h ago•0 comments
Open in hackernews

Ask HN: What's your advanced investing advice?

5•CoreSet•3mo ago
I've followed all the basics - emergency fund, pension plan, Roth IRA, taxable brokerage account, etc

Now I'm looking at "what comes next" - all individual growth stocks are so overvalued as to make fundamental analysis meaningless, real estate is inaccessible at my income level, and alternatives like gold, crypto, et al, don't pass the smell test of beating basic index funds.

Bogleheads would say that's a feature, not a bug - there is no beating a market.

But is there really nothing more?

Comments

toomuchtodo•3mo ago
https://www.bloomberg.com/features/2025-how-to-invest-now/ | https://archive.today/bN7z1

(the expense ratio for the international equities index they mention, MSCI ACWI, is much higher than VXUS for similar exposure; not investing advice)

ronbenton•3mo ago
Ride the indexes (or target retirement funds)

The only people who have consistently "beat the market" ended up in prison for running Ponzi schemes

bdangubic•3mo ago
ride the indexes if you want to get rich, if you want to get wealthy absolutely not. no wealthy person is index investor. the number 1 rule of investing is that you should know what you are investing in and no one sane knows everything about all the companies in a given index fund. so while conventional wisdom is ride the indexes, if you care about your money and are willing to put the necessary time in for research index funds should be the last thing you invest in.
SoftTalker•3mo ago
Survivorship bias
edoceo•3mo ago
This works, only after you have enough money to be able to spend all the time on that research. So, until debt free & net-worth $5M USD: low fee indexes.
bdangubic•3mo ago
I would agree except there is a lot of time most people waste that could be put to better use. yeeears ago I freed up about 4hrs/day but removing all social media apps from my phone and logging off for good. spending 60-90 per day is something most people should be able to allocate by cutting that same time from infinitely less important things than your investments
pols45•3mo ago
There is. Learn to dance - https://www.youtube.com/watch?v=BiAwpYIkRmU
bix6•3mo ago
Look at what money managers do for HNWI. Less about beating the market and more about preserving assets no matter the situation.

Gold is beating the S&P YTD by 3x.

Venture capital or angel investing may also interest you if you’re accredited and like supporting startups.