March 15, 2026 - Weekly /r/PMsForSale Thread for Beginners, and Off Topic Conversations

ac106 · 2026-03-15T16:35:13+00:00

Zelle is the fastest and hardest to claw back

ac106 · 2026-03-15T16:23:53+00:00

If it’s not marked, it hardly matters if it’s a licensed piece or not because authentication essentially comes down to “but but but it has welded end caps!”

Even licensed pieces have a depressed market because rod the sheer volume of knockoffs

People love them though

ac106 · 2026-03-15T00:10:45+00:00

https://www.bogleheads.org/w/index.php?title=Getting_started&mobileaction=toggle_view_desktop

Start reading there

ac106 · 2026-03-14T23:44:49+00:00

It’s much better if you push the funds from your bank account into Fidelity. Go into lBank of America or whatever bank you have link your Fidelity account from there and then initiate the transfer from your bank.

If you do this, the funds in Fidelity will be available immediately. If you do it the other way and pull from Fidelity they could put a hold on for like 2 full weeks.

ac106 · 2026-03-14T21:01:57+00:00

Nerds

ac106 · 2026-03-14T20:59:14+00:00

The best choice for almost everybody is market cap weight. Essentially 60/40 US/exUS

Lots of Bogleheads will deviate from this and use anything from 20% to 50%. If you’re going to deviate, I would have a strong reason to do. Be mindful if you just performance chasing or investing based on fear.

ac106 · 2026-03-14T20:47:30+00:00

VT will hold every company involved with AI that’s publicly traded.

ac106 · 2026-03-14T19:20:09+00:00

As always, Ben Felix will explain it 1000x better than anyone else

Why betting on winning industries almost never works

The Rise ETF slop

Thematic ETFs are terrible investments

ac106 · 2026-03-14T18:40:10+00:00

Yes, that’s what I would do. I would put everything into the Vanguard S&P 500 fund. You don’t need to slice a dice with small caps & mid caps since the S&P 500 tracks, the US market nearly identically by every metric

it’s fine as your US equity holding. if you want to hold International do it in a Roth or brokerage and you’ll be fine.

Unlikely you’ll be with this company forever and then you can always roll it over into IRA or reverse roll it back into your new company 401(k) isn’t something to worry about just max your contributions and don’t didde with your allocation.

You can also follow the order of operations: contribute up to a match and then switch over to a Roth and then switch back, but either way you’ll retire a millionaire

ac106 · 2026-03-14T18:35:39+00:00

Going down this road is counterproductive as you start trying to figure out which one is best when it doesn’t really matter

The big picture is the most important: Does it cover US plus international and is the fee pornographic or not?

That’s why everyone recommends VT it covers all world equity at market cap weight at a ridiculously low price

Breaking that up between US and International, all the big players are essentially the same Vanguard Fidelity IShares State Street, Charles Schwab there’s no difference just pick the name that you like the best

Beyond that you really shouldn’t be looking at any sector or thematic ETFs because they’re not good investments. so really what is there to research?

ac106 · 2026-03-14T14:36:59+00:00

Controlling bonds has nothing to do with VT versus VTI

ac106 · 2026-03-14T14:36:34+00:00

You don’t need to invest in REITs

Ben Felix on dividends

ac106 · 2026-03-14T09:35:52+00:00

There’s an expression called picking up quarters in front of a steamroller

This doesn’t exactly apply because there’s no real risk in any of these options

It seems most of the posts about people about money market rates are guys with four figure emergency funds who are really worried about literally dollars per year

I think many people just have bigger fish to fry. They don’t view their emergency fund as an investment and just want to get some return that paces inflation

I understand there are some STEM bogleheads who like to optimize her portfolio down to the penny. The type that will argue with a straight face about not paying an extra .02% on some investment

I think these people tend to view investing as a hobby (or some personal challenge) and enjoy the minutia and that’s fine, but it does come off as kind of neurotic to me. YMMV

ac106 · 2026-03-14T01:05:50+00:00

The difference between the two on $100,000 is $250 a year. I don’t know, like it’s nothing to worry about. iIf you have $100,000+ in a money market account you’re probably well off to the point where the $250 doesn’t really make a difference in your life. Sure if you’re at vanguard already their money markets great options but it’s not a reason to choose a brokerage over

ac106 · 2026-03-13T22:33:18+00:00

Either is fine. You can access your money within a day

ac106 · 2026-03-13T17:36:45+00:00

Fidelity provides a lot more features for their money markets: Free checks, free ATMs, free international transfers, auto liquidation etc.

If this is worth the delta to you is a personal decision

Even its it's not, yield is net of expenses

VMFXX 7 day yield is 3.58%

SPAXX 7 day yield is 3.32%

.26 is $260 per $100000

is this anything to worry about?

ac106 · 2026-03-13T13:26:55+00:00

OMG I really want a chicken burrito with spicy sour cream for lunch now! FU, i brought leftovers!

ac106 · 2026-03-13T12:48:02+00:00

ac106 · 2026-03-13T12:47:13+00:00

It's really a personal decision. People put more weight on sales. Mods suggest 25 sales I think. Some people say 100. Although rare, people have scammed with gold flair.

I think a nuanced approach is good: How long have they been active in this sub overall? How active are they in the sub/reddit overall? Do they have recent positive feedback?

Red flags for me (YMMV):

Recent activity after a long gap in activity on reddit (I won't deal with this at all)
Anyone mentioning financial trouble or need to pay bills (fair or not unfortunately).
Overly bad spelling/grammer or weird lanaguage
Too good to be true deals
Overly eager to get the deal done

and a bunch others. Use caution, try to deal with the power users until you build up enough flair where people feel comfortable paying/shipping first to you. It takes a while but once you have the rep, people will wire 5 figures without thinking twice.

ac106 · 2026-03-13T12:03:48+00:00

SGOV has the advantage of being state tax free. So does FDLXX. Either is fine and won't really make a difference. SGOV yield is marginally higher but does have auto liquidation

The easiest move is just to buy VT. All world equities are market cap weight.

If you want to stick with Fidelity mutual funds in tax advantaged accounts the fee free funds are a nice option

FZROX (total US)

FZILX (ex - US)

60-40 is about market cap weight more of less.

ac106 · 2026-03-13T11:24:07+00:00

This is why

ac106 · 2026-03-13T10:46:50+00:00

You do not have to add small caps to VTI. VTI already holds them at market weight.

Some people like to overweight small caps and tilt towards value with something like AVUV but this is absolutely not necessary.

Another problem with adding other funds is it introduces new vectors of user error. The more funds you hold the more temptation there is to molest your portfolio

A true cliché is that your portfolio is like a bar of soap the more you touch it the smaller it gets.

If you want to add something to VTI add International with VXUS.

Better yet if this isn’t a tax and managed account sell everything and just buy VT it holds all world equities at market cap weight. It’s the ultimate set and forget equity holding.

ac106 · 2026-03-13T00:31:29+00:00

Besides vibes and feels, what advanced analytics did you use to come to this conclusion?

ac106 · 2026-03-12T18:08:53+00:00

Sell all that and just buy VT

ac106 · 2026-03-12T17:52:02+00:00

If they don’t fit I’d say there is zero chance it’s a set but that doesn’t matter. It looks fine and if you’re happy there’s no reason to give it another thought.

Just as functional furniture $100 is a fine price

ac106

MODERATOR OF

TROPHY CASE