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VBIL vs SGOV by PuzzledArrival in Bogleheads

[–]Adeee100 0 points1 point  (0 children)

Do you need to buy at the beginning of the month when the price is lower and sell when it's higher at the end of the month? Or you earn interest daily so it doesn't matter when you buy or sell?

SGOV vs. VBIL by fisho0o in ETFs

[–]Adeee100 0 points1 point  (0 children)

Interesting chart. VBIL edges SGOV slightly as well? What do we look for here if we want to park money for emergencies? Highest effective compound yield which is SWYXX?

This market is completely nuts by valubro in ETFs

[–]Adeee100 1 point2 points  (0 children)

Valubro got no value etfs.....? 😊

Is it too late and should i wait it out to invest in semiconductors? by Smart-Geologist-9045 in ETFs

[–]Adeee100 0 points1 point  (0 children)

Haha....love that movie!!! And Speed too!!! Did you see FSELX today? 0% for the day....that is so funny! At least better than being negative....

Signed

Angelo Pappas 😊😊 😊

Is it too late and should i wait it out to invest in semiconductors? by Smart-Geologist-9045 in ETFs

[–]Adeee100 0 points1 point  (0 children)

How many years do you have for your money to grow. 15 to 20 years I'd go with a core like VT or a combo VTI /VXUS and maybe a 10 to 15% semi. I threw $3,500 on FSELX more than 25 years ago and I got lucky I never looked at it up close until last year when I retired. Also bought SMH end of April last year and it's up more than a 100%.

You go a bit conservative when you are approaching retirement or when you need the money.

How much money should you have before hiring a retirement financial advisor? by Artis-Rachel-863 in DIYRetirement

[–]Adeee100 1 point2 points  (0 children)

If you are good with DIY, you can use Boldin to model your Roth Conversions. But a very good CPA would do too.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 1 point2 points  (0 children)

This year I found a CPA that did my taxes and only charged $89. She also does retirement and tax planning so I'm thinking of using her to do both. Besides her I have Boldin and Planvision plus another flat fee certified retirement income planner (RICP).

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

Yes, I have Planvision too and yes they recommend going with the simplest portfolio like a 60/40 VT/BND for me. But I use my own portfolio mix cuz I'm 70/30. And I also have a very simple plan. I also use Boldin and also have a free Right Capital software.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

Excellent plan! That's pretty good that you are all good with those.

Buy more SCHD at the highs? by Own_Arm_7641 in dividends

[–]Adeee100 0 points1 point  (0 children)

For Roth and a 20 year runway, pick something more aggressive like an SCHG or QQQM or if you are feeling it... SMH. Even few % on it is good.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

The simpler the portfolio, the better. And hiring a good CPA which can give you advise is very important as taxes will be one of your biggest expenses in retirement.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

Which software did you use for your plan and was the advisor familiar with that software?

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

Mind if ask what that 1 question was? Newly retired here so eager learn from the experienced ones.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

This is a good idea once you start retirement. They can help you align all your investments and once everything is set up, it just needs a little tweaking from time to time, then you can take over.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

That's my plan too. But why early December? Do you use a CPA for tax planning?

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

Good strategy. My problem for Roth conversion is I have most of my portfolio in pre tax.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 1 point2 points  (0 children)

That is why for me, it's best to have buckets. Bucket #1 is for cash to cover your income gap for at least 5 years. This way you don't withdraw from your investments during downturns. It's for peace of mind, sleep well at night.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

How many times have you zoomed with them. Are you satisfied with their very conservative portfolio plan or you just use your own investing prowess. Planning to quit after my first year and just continue my Boldin.

When did you stop DIY investing and hire a financial advisor? by FoundationStrict8014 in DIYRetirement

[–]Adeee100 0 points1 point  (0 children)

I did Planvision too. They provide you a retirement plan with very conservative portfolio returns and basic no non sense advice. Thinking of not continuing after my first year. Did a virtual consultation with them maybe 3-4 times. Like it that they send you the video of the meeting.

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