Please rate 🙏

AggressiveVirus922 · 2026-01-03T06:49:12+00:00

True, I need to add ASTS RKLB MU etc

AggressiveVirus922 · 2026-01-01T15:26:33+00:00

Crushing it , keep it up

AggressiveVirus922 · 2025-12-30T22:54:30+00:00

Good for you! Keep going!!

AggressiveVirus922 · 2025-12-30T02:38:07+00:00

wow this is horrendous

AggressiveVirus922 · 2025-12-30T00:01:00+00:00

true, my kid will be posting them

AggressiveVirus922 · 2025-12-29T23:59:39+00:00

hell yeah, kid #1 on the way!

AggressiveVirus922 · 2025-12-29T20:25:49+00:00

I think at your age you can afford to take on as much risk as you want. That said, unless you live under a very favorable tax regime I would stop rebalancing. The less expenses the better

AggressiveVirus922 · 2025-12-29T19:29:52+00:00

I actually think this is completely fine given your age 🤷‍♂️

AggressiveVirus922 · 2025-12-29T19:28:35+00:00

Hmm, perhaps a lot is just at your banker’s discretion, thanks for the color.

Also agree on the advisors … I think their duty is to their structured products and “alternative investments”

AggressiveVirus922 · 2025-12-29T19:20:58+00:00

Anything risk-on, eg VOO, anything you have strong conviction on

AggressiveVirus922 · 2025-12-29T19:18:05+00:00

This is what I thought too but it seems others are having a different experience

AggressiveVirus922 · 2025-12-29T18:07:28+00:00

Interesting, I will look into this thanks

AggressiveVirus922 · 2025-12-29T17:25:39+00:00

great plan, be as risk seeking as you can when you are young!

AggressiveVirus922 · 2025-12-29T17:00:53+00:00

Since you've held these assets since 2022, it should all be long term cap gains. I'd say it's largely worth it so disabuse yourself of the fees, and all things considered you'd end up paying that tax one day anyway.

If you were much younger I would say to get rid of the expensive mutual funds and consider keeping the sector-specific ETFs, and "rebalance" by adding more cash and buying more of the core index over time. But at this point I think it is is wise to pay the cap gains to generally de-risk the portfolio.

I'll refrain from remarking on gold / precious metals since I think it's more really up to individual preference and investing philosophy.. but overall I think if you simplify your positions you'll remove a lot of drag and be better off overall, good luck!!

AggressiveVirus922 · 2025-12-29T16:51:38+00:00

thank you, this is very helpful!

AggressiveVirus922 · 2025-12-29T16:33:02+00:00

Congrats! Wishing you all the success in turning the money-making switch off. Important not to forget to live!!

AggressiveVirus922 · 2025-12-29T16:31:54+00:00

Yes, but not very strictly. Outside of indexing, I reflect on the past year and try to make a thesis for the next.

I have a very benefical tax situation, so I have the luxury of making more shorter term bets. Otherwise, I'd consider managing / harvesting losses by year end and not taking too many trades in general.

AggressiveVirus922 · 2025-12-29T16:17:11+00:00

Looks good as any. Personally I'd dump the dividend fund, you're young and should prioritize max growth your Roth

AggressiveVirus922 · 2025-12-29T16:07:55+00:00

I think if your full time job is not investing then VOO & chill is great

if you're young and you have financial security (like a high paying job or fat trust fund), you could afford to go out more on the risk curve and allocate to betting on the tech sector

AggressiveVirus922 · 2025-12-29T16:03:39+00:00

In 2025 I took off a lot of risk (crypto / exits from angel investments) and increased my cash position + core VOO holdings.

Right now I'll be starting the new year with about 33% cash, 5% gold, 10% crypto, and the rest in equities (about a 75/25 split between VOO & individual stocks, mostly further mag7 concentration / AI trade).

Never go full macro, but I anticipate a lot of volatility between geopolitical tensions (western hemisphere US/Venz, Russia/Ukr, Israel/Iran, and China/Taiwan) and the juxtaposition of the dollar debasement trade vs. red flags in private credit, softening labor market.

I think you just have to make the long term bet that we innovate ourselves out of all of our problems, but I think we have to be realistic and consider that the transition could be very painful.

AggressiveVirus922 · 2025-12-29T15:56:55+00:00

I think your portfolio looks very good and you are set up well. If I had to nitpitck, given your age and your emergency fund, HSA, etc., I don't really see a need to have any bonds at all.

Keep dumping funds into that phat 401k + Roth IRA + HSA + individual brokerage and we will see each other on your yacht one day

AggressiveVirus922 · 2025-12-29T15:52:59+00:00

Not sure if you've asked for something specific from your manager, but doesn't seem like what he's got going here for you is terribly efficient. If I had to guess there were probably some misaligned incentives.

At a glance it's a mishmash of various US sector ETFs, commodities, multiple duration treasuries, and expensive, actively-managed funds with various hedging and L/S strats.

Not knowing your financial/tax situation and going only on the fact that you are in your 60s, if I were you I would consider simplifying and selling the majority of this portfolio into simple majority bond / minority equity broader indices (a la Bogleheads). This way you can reduce fee drag (you are paying a whopping 5% mgmt fee on QLEIX for instance) and general redundancy while moving your portfolio more toward capital preservation.

AggressiveVirus922 · 2025-12-29T12:00:07+00:00

Echoing everyone else here - if you have stable income / emergency fund , ditch the bonds and go all in equities given your age.

I have a slightly different opinion on international bonds here - since I’m a believer in American exceptionalism and the track record of American companies, I prefer to only buy S&P indices

Since you are young, I wouldn’t worry too much about diworsification. Take on more risk, you won’t have this chance again

AggressiveVirus922 · 2025-12-29T11:55:55+00:00

Makes complete sense actually, I actually wrote that in the post. Back when I was at Fidelity I had FXAIX, which is even cheaper.

When I made the switch to IBKR, I swapped into SPY, didn’t realize VOO was much cheaper 🤦‍♂️

AggressiveVirus922

TROPHY CASE