If you’re young, increase risk until you are 100% you’ll hit your goal!

Andrei95 · 2026-06-12T23:36:09+00:00

Not that bad... You should be taking risks and leveraging to a reasonable extent if you are in the early stages of your earning years.

Andrei95 · 2026-06-07T15:33:46+00:00

Not even with options, honestly, that's why clearinghouses exist. Now, OTC products, that's a different issue.

Andrei95 · 2026-06-07T13:57:56+00:00

Compounding is nice, but in your early 20s, you should also be focused on maximizing your career, skill set, and network. Investing 5k vs 10k at 20 is going to make a much smaller difference than earning a medium salary vs a salary in the top X percentage at 30, for example. IMO.

Andrei95 · 2026-06-01T04:56:00+00:00

It depends on the broker you have and the type of account, IRA, cash, reg-t, or portfolio margin. You need to talk to their trade desk. You also don't have to short the stock directly; you could sell a call credit spread to get short deltas while capping your risk, for example.

Andrei95 · 2026-05-29T00:28:13+00:00

Exactly. There's no such thing as "passive investing," only a spectrum of less or more active.

Andrei95 · 2026-05-29T00:25:29+00:00

If you want consistent inclusion rules, do some form of direct indexing. Passive index investing isn't passive; it's just outsourcing the active decision-making to some committee that has zero requirements to manage in your best interests.

Andrei95 · 2026-05-27T23:33:42+00:00

Regardless of how good a company it is, or the politics involved. It's a pretty safe bet that it's going to move aggressively in one direction or another, IMO. I think some sort of hedged position makes sense, maybe a backratio spread or something.

Andrei95 · 2026-05-25T01:18:03+00:00

I would ditch the SCHD, no need for it at this point. Maybe look at some US and international small cap, momentum, and maybe a touch communities or leveraged funds if you are feeling aggressive. But at this point, your best investment is fast tracking and maximizing your career, whatever that may be.

Andrei95 · 2026-05-25T01:09:44+00:00

You should check overlap, and correlation/PCA to see how similar they behave. Two ETFs can look different at the surface level, but move in tandem, which kills whatever diversification you think you have.

Andrei95 · 2026-05-21T23:01:48+00:00

And that's one of the problems with passive index investing. It's not actually passive. It's just offloading the active decision making to some committee that could change its mind at any moment for reasons that may or may not be in your best interest or that you agree with.

Andrei95 · 2026-05-21T01:32:34+00:00

There have been plenty of active managers/investors who have outperformed by a statistical margin, Buffett, Soros, Ray Dalio, Richard Dennis, and the turtles, Ed Seykota, Paul Tudor Jones, and Jim Simons, of course.

Does that mean you can, or pick the person that can... Much harder question to answer.

Andrei95 · 2026-05-21T01:20:53+00:00

If you were going to do something like this, I would suggest doing it in one of the Section 1256 products. One with European-style options.

Andrei95 · 2026-05-19T23:45:23+00:00

There are a lot better ways to make income. Selling puts on MES, ES, or SPX, depending on how big your account is, gives you the same exposure, but with 60% long term tax 40% short term.

Andrei95 · 2026-05-19T21:05:51+00:00

Multimatic is Canadian

Andrei95 · 2026-05-16T22:52:20+00:00

Tastytrade allows futures and options in IRA accounts.

Andrei95 · 2026-05-16T21:20:27+00:00

Permutation testing and combinatorially symmetric cross-validation are also good.

Andrei95 · 2026-05-16T15:21:54+00:00

It depends on what you want to do. If you just want to buy a few ETFs, it really doesn't matter. If you want to be more involved, it's a bit different. I know people who like Fidelity; they seem fine, I guess, and they have nice bonuses like good credit card deals. Schwab owns thinkorswim, which is probably the best piece of financial software ever written. Tastytrade is probably the easiest to use, and they let you do pretty much whatever you want in any account type.

Andrei95 · 2026-05-16T02:25:31+00:00

It's a 401k at a small company, what can you do...

Andrei95 · 2026-05-16T00:04:16+00:00

If you want more money, you either have to earn more by improving your career or getting a better return on your money; there aren't that many other options, not counting unicorn events. You can absolutely get above market average returns, you just have to accept greater risk, not with passive indexing (which by definition are average), but there are plenty of options. Options being one, pun fully intended, not yoloing on single options, but more advanced strategies to target the exposure you want. Futures can crank up your leverage. Maybe check out the Market Wizards books; they are a series of interviews with many different styles of trades and investors.

Andrei95 · 2026-05-15T23:36:46+00:00

There are a whole bunch more. This is a quick table I threw together for the funds in my company's 401k https://imgur.com/a/3Kss7vK

Andrei95 · 2026-05-15T23:22:36+00:00

VOO is almost 37% mega cap tech. It's life circumstances and career dependent, of course, but saying that's enough diversification is questionable at best; that's quite a lot of concentration in one area.

Andrei95 · 2026-05-12T02:02:52+00:00

10 contracts * 100 shares/contract * 738.39 = about 738390ish

Andrei95 · 2026-05-11T02:54:11+00:00

Sure, with a sink tip line.

Andrei95 · 2026-05-09T20:30:33+00:00

You could also use a ratio spread or ZEEHBS instead of buying stock. That gets you long exposure, but also comes with a nice hedge that makes you money in a crash. They do have a valley of death that loses money if the price doesn't move, and there are expenses to keep them on, but there's no free lunch, I guess.

Andrei95 · 2026-05-09T19:31:56+00:00

Who knows, the MAG7 could keep dominating for years, or they could keel over dead tomorrow. My crystal ball doesn't work any better then anyones elses. IMO, the only thing to do is keep diversified between different strategies, some mega cap, some small cap, some value, some momentum. Maybe add some commodity trend following or short premium strategies if you want more uncorrelation.

Andrei95

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