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Small-Scale Question Sunday for February 9, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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When your personal contributions are greater than your investment gains: total stock market index funds. Doesn't matter which, just pick one.

When your investment gains are greater than your personal contributions: diversify from index funds into a mix following the "efficient frontier". Here's a calculator, though the free version is capped at 10 years of historical records.

Thank you! I'll try and make good use of it.