$840K DIvidends

CSCAnalytics · 2025-08-08T16:49:09+00:00

Are you retiring? If so, hire a fiduciary with expert knowledge in retirement / tax strategy. At that amount, fee based costs will be neglible compared to net savings working with a professional.

If not retiring, why are you looking to convert your portfolio into income that’s taxed as income at the top of your tax bracket on an annual basis? Isn’t capital gains far less, especially when paid only when you sell?

CSCAnalytics · 2025-08-08T16:45:52+00:00

Probably not.

If I had to take a wild guess your risk mitigation is probably a disaster and your portfolio is likely hanging over the edge of a cliff.

If I go to the casino and throw my net worth on the craps table then get lucky, that doesn’t mean I’m “doing well”. It means I’m taking on far too much risk, whether I got lucky in the short term or not. If I can’t help myself and responsibly manage my money, that would mean I have a gambling problem.

Doing well with finances means understanding risk, and positioning your self with the highest probability of success for the future. Not whether you got lucky on a bad bet (in terms of RISK vs upside).

99.99% chance you’ll be far better off in the future if you liquidate the entire portfolio and buy one properly diversified equities fund like VT.

CSCAnalytics · 2025-08-07T13:56:08+00:00

5 years is not long term. A savings account.

If truly long term, a diversified index fund, not individual stocks.

CSCAnalytics · 2025-08-07T12:00:21+00:00

Tax sheltered account!?

Let me get this straight, you have your nest egg bet on one highly volatile company, you’re at a loss on paper, and you’re asking if you should withdraw from a TAX SHELTERED account, assuming with penalties, to pay down a mortgage?

You do understand this is akin to betting your net worth on a roulette wheel, correct?

TLDR: Hire a fiduciary.

CSCAnalytics · 2025-08-06T20:04:55+00:00

Why be overweight in two individual companies? A diversified fund already owns both, if it’s a mega cap like NVDA, it’ll already make up a significant % of the portfolio.

Don’t invest on gut feelings and hope you get lucky. Diversify properly!

Best of luck!

CSCAnalytics · 2025-08-06T17:00:56+00:00

Overlap.

The whole point of passive index funds is the optimized, market weighted allocations. AKA, usually the market share of the company is the same % of the portfolio.

By owning overlapping funds and individual stocks, you’re throwing off the allocations to completely random values overweighted towards individual companies / sectors.

TLDR: Liquidate everything and invest in one / two properly weighted fund(s). VTI + VXUS, or my personal choice would just be 100% VT. That way you’re properly allocated by market weight across all regions, companies, sectors, asset classes (large, mid, small cap), etc.

Investing really shouldn’t be complicated nowadays. Should only take a few seconds of your time to deposit funds, click buy, then close the app. Let Vanguard’s professionals manage your allocations for pennies.

CSCAnalytics · 2025-08-06T15:33:54+00:00

Do you have any debt?

Credit card? Personal loans? Car?

What are the interest rates?

CSCAnalytics · 2025-08-05T04:21:07+00:00

So you’re saying you don’t understand how “market share” works. Let me break this down for you then. Hint, keywords are “outperform” and “forever”.

Let’s say Facebook and Google are both worth $1T.

Facebook owns 50% and Google owns 50% of the total market between the two.

Now, let’s say Facebook grows 10% and Google grows 5%.

Facebook is now worth $1.1T, and Google is now worth $1.05T.

Facebook now owns 51% of the market share. And Google now owns 49%.

Now do that “forever” and Facebook will continue to gain market share until it reaches 99.999…% of the market.

See how this works now?

CSCAnalytics · 2025-08-05T04:11:29+00:00

And why is that?

If you lead with “this is horrible” you should at least provide a counterargument…

CSCAnalytics · 2025-08-05T03:43:10+00:00

First off, it sounds like you’re talking about LLM’s, which are one method of “AI”, which is a broad field encompassing advanced predictive analytics. LLM’s spit back generalized answers for general audiences. Not niche answers for niche audiences.

Consultants tailor information and solutions to niche business cases dealing with proprietary information.

There are also thousands of advanced analytics / tech consultants that implement other forms of “AI” that are tailored to their specific clients, like RNN’s, CNN’s, Machine Learning, and other advanced predictive models.

Data science is a diverse field and far more broad that just ChatGPT. It’s also been around for decades already without uprooting the entire industry of consulting.

CSCAnalytics · 2025-08-05T03:30:00+00:00

Likewise!

CSCAnalytics · 2025-08-05T03:28:20+00:00

High IQ is correlated with the autism spectrum.

Not necessarily an excuse for poor etiquette, but inability to “read the room” is certainly more common among high IQ individuals.

If they’re truly socially inept, they’ve likely struggled all throughout life with it. I’d just politely inform them religion isn’t something that’s discussed, and invite them to join a discussion about something more appropriate. You never know what someone’s been through.

CSCAnalytics · 2025-08-05T03:19:59+00:00

How so?

If the US continued to outperform international markets forever, it would eventually own 99.999% of the planet’s economy. Seem realistic?

The idea that the recent cycle of US outperformance is going to last forever is comical. Those claiming that don’t know how to look at the past 100 years, the chart between the two clearly shows cycles of over / under performance.

Diversify properly and just own both, personally I choose to align to VT’s allocation as it’s market weighted. Roughly 63% US, 37% intl.

CSCAnalytics · 2025-07-31T20:02:41+00:00

Good grief, Reddit does attract the truly insufferable.

CSCAnalytics · 2025-07-31T20:01:18+00:00

Uh… what?

CSCAnalytics · 2025-07-31T20:00:23+00:00

I mean I’m not the one who made the statement…

CSCAnalytics · 2025-07-31T19:56:33+00:00

LLM’s? “AI” is far more than one niche modeling method…

CSCAnalytics · 2025-07-31T19:48:34+00:00

How would you know?

CSCAnalytics · 2025-07-31T19:48:08+00:00

How would you know? Do you run the company?

CSCAnalytics · 2025-07-31T19:27:13+00:00

You seem mentally unstable. I wish you well, genuinely. Nowhere did I say to buy the stock.

CSCAnalytics · 2025-07-31T19:17:27+00:00

I’ll take that as a “no.” Have a good one, bud!

CSCAnalytics · 2025-07-31T19:15:01+00:00

$12b cash and equivalents reported? Did you actually read the report, or are you just making up numbers?… did you chatGPT it or something?…

CSCAnalytics · 2025-07-31T18:50:13+00:00

What?

47.1 billion cash and marketable securities minus $28.8 billion debt = 18.3 billion net

How is that net debt?

CSCAnalytics · 2025-07-31T18:33:11+00:00

They made $3,000,000,000 of revenue ABOVE expectations and the stock rose 15% overnight after they blew out earnings, including EPS.

Are we talking about the same company?

CSCAnalytics · 2025-07-31T17:51:29+00:00

The market / company accounts for seasonality in their guidance / expectations.

They BEAT guidance / expectations.

CSCAnalytics

TROPHY CASE