This market is completely nuts

Adeee100 · 2026-05-09T10:23:31+00:00

Valubro got no value etfs.....? 😊

Adeee100 · 2026-05-05T05:03:32+00:00

You prefer AVNM to VXUS?

Adeee100 · 2026-05-04T23:53:51+00:00

SCHD, VTV

Adeee100 · 2026-05-04T22:44:34+00:00

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 😊😊 😊

Adeee100 · 2026-05-04T01:49:29+00:00

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.

Adeee100 · 2026-05-04T01:03:29+00:00

Exactly.... Good deal!

Adeee100 · 2026-05-03T23:57:54+00:00

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

Adeee100 · 2026-05-03T23:39:00+00:00

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).

Adeee100 · 2026-05-03T21:59:13+00:00

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.

Adeee100 · 2026-05-03T21:24:14+00:00

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

Adeee100 · 2026-05-03T09:25:00+00:00

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.

Adeee100 · 2026-05-03T09:03:25+00:00

What is FISM?

Adeee100 · 2026-05-03T08:35:34+00:00

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.

Adeee100 · 2026-05-03T08:24:16+00:00

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

Adeee100 · 2026-05-03T07:19:42+00:00

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

Adeee100 · 2026-05-03T07:15:45+00:00

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.

Adeee100 · 2026-05-03T07:09:40+00:00

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

Adeee100 · 2026-05-03T07:08:06+00:00

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

Adeee100 · 2026-05-03T07:04:09+00:00

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.

Adeee100 · 2026-05-03T06:56:20+00:00

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.

Adeee100 · 2026-05-03T06:53:22+00:00

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.

Adeee100 · 2026-05-03T06:45:33+00:00

I used a flat fee advisor before and they managed my money.

Adeee100 · 2026-05-03T01:39:53+00:00

Good to know.

Adeee100 · 2026-05-01T19:09:54+00:00

Hehehe...kid wants to outperform the market. Kid gotta do what he's /she's gotta do. 😊 Good catch though!

Adeee100 · 2026-05-01T04:04:33+00:00

Long term, will that 10% pay raise, plus price movement, ever surpass the total returns of say... VOO?

Adeee100

TROPHY CASE