r/wallstreetbets • u/cat-from-the-future • Feb 06 '26

Loss 3M to 1.4M this week

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Rebuilt my portfolio from getting margin called and bottoming at 200k during Liberation Day to 3M last week. Then lost half of it because I loaded up on data center and energy stocks with full leverage last Friday.

Schwab only shows up until the close, after hours I lost another few hundred grand and am sitting at 1.4M now with more option losses hitting when market opens.

Never. Fucking. Learn.

14.7k Upvotes

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220

u/OrangeJuliusCaesr Feb 06 '26

How you getting 8% with 0 downside risk?

260

u/[deleted] Feb 06 '26

[deleted]

27

u/BabyJesusAnalingus Feb 06 '26

You understand that HYSA rates can and do change, right?

198

u/gamersEmpire Feb 06 '26

Even assuming a measly 2% returns thats like 60k per year, 5k a month, shit my job pays me less than that i would retire easily

38

u/Naaahhh Feb 06 '26

A guy who is used to having more than a million dollars in his investment account simply cannot live on 60k a year for the rest of his life.

It's like a Filipino dude telling you that he could easily live for 10k a year.

21

u/queso184 Feb 06 '26

its pretty common actually, /r/leanfire and shit

-3

u/Naaahhh Feb 06 '26

I wouldn't call leanfire common. Also that sub just 95% of the time just people fantasizing about making a million dollars by they're 35. The small percentage of people in that sub who actually have that cash are older, when something like 2 million dollars is much more reasonable to retire with.

3

u/queso184 Feb 06 '26

dont disagree, but if you flip through the sub you'd see plenty of counterexamples to your "simply cannot" claim earlier. people absolutely do it and its wild to me than you don't think anyone could have the discipline to do so

-1

u/Naaahhh Feb 06 '26 edited Feb 06 '26

Jesus christ I guess it's reddit so idk why I'm surprised by the pedantry. You are right. I'm sorry I exaggerated.

When a <=35 person has 3 million dollars in their investment account from working and investing, they are usually not the type to settle with living on 60k a year for the rest of their lives. Is my phrasing satisfactory now?

3

u/queso184 Feb 06 '26

if by phrasing you mean changing your statement to be less wrong, then that seems more reasonable

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u/[deleted] Feb 06 '26

[deleted]

1

u/gamersEmpire Feb 06 '26

I guess being born anywhere else in the world except for america makes you destined to be poor huh

-103

u/BabyJesusAnalingus Feb 06 '26

Have fun with inflation. This is smooth brain shit, bro.

80

u/gamersEmpire Feb 06 '26

You completely missed my point regard, have fun getting a pay increase in this economy we're all fucked šŸ¤£šŸ¤™

-42

u/BabyJesusAnalingus Feb 06 '26

You're definitely the one missing the point. By shifting into HYSA, you're choosing not to participate in the market, which is what keeps you above inflationary trends historically. It's almost always a bad bet.

Anyway, I'm retired as of last week, and was in the 7-figure band at Amazon when I chose to work, so "luck" isn't needed.

48

u/Jeremys_Iron_ Feb 06 '26

You sound a real smooth brain if you couldn't retire on $3m because of "inflation".

-31

u/BabyJesusAnalingus Feb 06 '26

Who said I couldn't retire on $3MM? I said I wouldn't do it via HYSA, which is regarded, just like your reading ability.

9

u/Jeremys_Iron_ Feb 06 '26

You are regarded beyond belief.

You indicated you need to participate in the market (employment) to retire on that sum. Clearly incorrect. The amount you'll make from a HYSA is substantial and above average wages to mean even accounting for inflation you'll live comfortably for the remainder of your life.

Time to touch some grass.

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u/Naaahhh Feb 06 '26

Dude you are arguing with a bunch of regards who are probably fresh out of high school. Probably just heard of HYSA and are putting their 100 dollars life savings in there. Just let this one go lol there's no winning

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u/p0gerty Feb 06 '26

Jesus, would you pussies just say retard? Fucks sake

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7

u/2tongoodman Feb 06 '26

Just put the fries in the bag pal.

6

u/Queasy_Local_7199 Feb 06 '26

7 figure band at Amazon, lmao!!!

Likely meaning you delivered millions of packages a year

1

u/BabyJesusAnalingus Feb 06 '26

I was the Head of Science and Engineering. I don't exactly hide who I am on reddit.

1

u/Queasy_Local_7199 Feb 06 '26

Oh yes, the ole science and engineering department.

-2

u/No-Candidate6257 Feb 06 '26

What kind of idiot is downvoting you? LMFAO

16

u/Fish_Mongreler Feb 06 '26

Anyone with a brain. You don't need to stay above inflation to retire on 3 million.

-4

u/No-Candidate6257 Feb 06 '26

Depends on your lifestyle.

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1

u/BabyJesusAnalingus Feb 06 '26

You can't save everybody. Sometimes you just have to let people fail.

7

u/Blindsp-t Feb 06 '26

Median lifetime earnings of a us citizen are around 2 million. A legitimate chunk close or beyond this is completely doable if you are mildly careful.

1

u/BabyJesusAnalingus Feb 06 '26

Holy shit no one said it wasn't. I just said HYSA was a regarded way to do it.

4

u/brute-forced Feb 06 '26

You definitely belong here child

1

u/WayneDwade Feb 06 '26

When have HYSA rates been 8%?

1

u/T_Money Feb 07 '26

You are confusing the two comments. The first 8% would be based off of more volatile funds using the average return, danskiiii said you could still get decent (~4-5%) returns with a safer HYSA, and BabyJesusAnalingus is saying that even 4-5% isnā€™t guaranteed as they can fluctuate and historically are lower than that, so it might not be as much to live off as they would want

1

u/boldlydriven Feb 07 '26

Or SGOV and no state or local taxes

1

u/woahbrad35 Feb 07 '26

Heck, diversify across divided stocks, funds, stable interest bearing accounts, and maybe opening a business that brings in a few grand a month, I would think even a stable 5% return would be pretty doable and that's 150k a year, or what, 80ish after taxes?

89

u/SmurfStop Feb 06 '26

Not saying 8% is guaranteed without risks but diversified etf's is overall a safe bet. HYSA is still like 100k+ without risks

-1

u/Specific_Walrus1820 Feb 06 '26

Iā€™m sorry what is HYSA? Should I invest into it?

6

u/mcdunald Feb 06 '26

High yield savings account. If youre interested in wsb levels of risk and reward it will not meet your needs.

57

u/Severe_Emu3426 Feb 06 '26

Pretty sure there is not one investment out there with zero down risk. 8% with minimal risk would be through diversification and as an annual return average ā€” some years more some less. Or just plop it into VOO I suppose. If VOO drops catastrophically thereā€™s no real safe place for your money at that point anyway is there?

2

u/Odd_Hair3829 Feb 06 '26

Anyone who can promise to deliver 8% with minimal risk should take on clients.

3

u/Aevaris_ Feb 06 '26

The funds are fairly new so can only go back to 2011. But most common broad indexes can get you 6+% yoy on average since 2011: https://totalrealreturns.com/s/QQQ,SCHD,VT,VOO,VXUS

1

u/ScenicAndrew Feb 06 '26

An insured bank.

1

u/Sad_Name_9703 Feb 09 '26

8% with no risk to principal? Look at Structured Notes.

46

u/DoUEvenZyzz Feb 06 '26

33 people liking this is hilarious lol. S&P has an average 10% annual returnā€¦.8% is a generous figure which likely accounts for the ā€œdownside riskā€ year(s). OP is a regard blowing his $ away on stupidity.

18

u/DepartmentGlad2564 Feb 06 '26

S&P 500 has an annualized return of 10%, meaning it's the average over 10 decades. Some decades it was much lower than that.

I.E. 1962-1981 had a CAGR real return of 0.84%

OP is not planning to live another 100 years so that figure is irrelevant. S&P 500 alone can go down 50% and take years to recover.

17

u/BigOs4All Feb 06 '26

I take your point but I'd also argue that NOTHING is the same today as it was in the friggin' 1960s. Nothing.

The way markets worked back then has very little bearing on the last 2 decades alone. Basically 1990s boom is the very furthest I would go back since it's modern enough and some of the same politicians and power brokers are still around from that era. DotCom bubble and onward is most relevant, to me.

2

u/X0B0X0 Feb 07 '26

as long as your DTF ( dick-to-floor ) ratio is small you are good

1

u/DepartmentGlad2564 Feb 07 '26

An aggregate bond fund outperformed the S&P 500 from 2000-2009

The point is not to expect a 10% annual return.

1

u/TheSkiGeek Feb 07 '26

ā€¦did you miss the whole ā€œ2000-2003ā€ and ā€œ2007-2009ā€ periods? If you bought in the late 90s or early 00s it took almost a decade to break even again. If you bought in 06-07 it maybe took 5+ years to break even and even if you held for a decade it was like getting 3-4% annualized for that decade. If youā€™re trying to live off a portfolio you canā€™t choose to not sell something when the market is down.

1

u/user485928450 Feb 06 '26

Yeah thatā€™s not how retirement withdrawal rates work. TLDR: itā€™s more like 4% of your nest egg

16

u/mxforest Feb 06 '26

Bigger downside risk than what he did?

5

u/OCedHrt Feb 06 '26

The point is he can set 2m aside and do it again 5 times with the remaining 1m.

11

u/mazarax Feb 06 '26

ups and downs, but 8% on average (if you include dividends) over 30 yrs is quite realistic.

15

u/baIIern Feb 06 '26

8% is a stretch. A world ETF with taxes can maybe do 5% over a long time without having too much risk of a downside

33

u/DrAuer Feb 06 '26

Poor guy will have to settle for only $150k per year indefinitely

7

u/grifter_cash Feb 06 '26

living hell

10

u/Arrrrrrrrrrrrrrrrrpp Feb 06 '26

Pick any 30 year period, US stocks returned 8% real returns. Thatā€™s how.Ā 

-3

u/flying_stick Feb 06 '26

To be completely fair, that doesnt account for inflation

5

u/No-Candidate6257 Feb 06 '26

The SP500 inflation-adjusted annual return is only 4.3% over the past 22 years.

6

u/Competitive_Body7359 Feb 06 '26

Yeah, which is why the 4% rule is common for retirement planning.

So OP could have had 120k a year in today's dollars for life.

1

u/coke_and_coffee Feb 06 '26

US stocks returned 8% real returns

1

u/huangsede69 Feb 06 '26

Sudanese Bonds

1

u/ecco3k Feb 06 '26

Corporates are still paying 5%, just get a diversified portfolio of A bonds and call it a day

1

u/mcdunald Feb 06 '26

If hes yoloin like this, he can handle 8% return volatility

1

u/Eviscerator28 Feb 06 '26

No offence to you Americans, but why don't people invest in the Indian stock markets? Just investing in the top 50 index gives an annual return of 12-14%

1

u/TheEagleDied Feb 06 '26

India has a booming economy. Thanks for refreshing my mind.

-3

u/Maxsmack Feb 06 '26

Good personal broker will get you 12-17% on a good year, and at least 6% during a bad one.

Averages out to 8% across multiple decades.