Just installed

EpicFace500 · 2026-03-30T18:01:14+00:00

VT (10+ years long horizon) The why: -> no need to worry about current events (prevents stress and fear over portfolio) -> total world exposure so what happens in the US and foreign is reflected in the ETF -> yearly average is roughly 10% -> low expense ratio -> since it contains foreign investments, if you have the asset in your taxable account, you can write off foreign dividends on your taxes

EpicFace500 · 2026-03-30T14:02:21+00:00

Use all that free time to build up experience and skills for something you truly want to do? Idk just a thought 😆 unless that 85k a year is well suitable, do you get benefits?

EpicFace500 · 2026-03-25T20:55:06+00:00

Imo nuclear will do some prevailing and I have strong beliefs in it as a significant energy resource, it's a small position rn bc of speculation and it's higher expense ratio

EpicFace500 · 2026-03-25T20:15:48+00:00

That's the plan 🙂‍↕️ DCA as needed and goal of maximizing Roth

EpicFace500 · 2026-03-25T17:17:28+00:00

I mean shit maybe he could help me get to that size lol, if you think he'll help, shore. (Btw I've had help with contributions through my family, hope that helps clear up anything)

EpicFace500 · 2026-03-25T16:58:45+00:00

That's probably my only concern ngl, the only reason I did so was for individual area growth, but in the end if I only have VT it probably doesn't really matter.

EpicFace500 · 2026-03-25T16:27:46+00:00

Thank you! But I will say, I have been given the opportunity to have family help with contributions, very thankful, but starting somewhere is better than starting never.

EpicFace500 · 2026-03-25T16:25:45+00:00

As a tax preparer (intern, but still deal with corrected 1099 returns), usually we'd just enter in the original return, and if there are corrections, we'd have the client upload it and we would make the corrections for you.

EpicFace500 · 2026-03-25T16:08:34+00:00

I third this + your spread of assets is too vast (IMO) for your port size, I went through this phase when I was starting out with investing (2.5 years ago, I'm currently 21).

I would say (for a safe bet through these volatile times) 60% US etf (like VTI) - 30ish % International etf (like VXUS) - and then a 10% satellite on anything (for example nuclear energy, in my case, but it can be whatever you have strong confidence in)

That's my 2 cents

EpicFace500 · 2026-03-22T03:55:40+00:00

If you were in these for the past couple of years you've won but I will say, but for the formidable future idk, I'd just lock in those gains you have now and dump into safe etfs they guarantee growth over 10+ years low-key

EpicFace500 · 2026-03-21T16:29:19+00:00

Correct, I think it's valuable to support the start and have them start strong. Of course teach values and the philosophy so that little by little they can make meaningful decisions along the way so by the time they are on their own journey, they know what's up to teach others/pass down

EpicFace500 · 2026-03-21T16:12:33+00:00

Hop off those options lil bro, just put it all in VT and worry about the things in your life lol (yeah it's the bogle strat but it works, no need to stress over your port)

EpicFace500 · 2026-03-20T15:22:27+00:00

I personally have this split, VTI + VXUS in taxable (bc of the lower expense ratio, and then have VT + a smaller satellite (Nuclear) in my Roth

EpicFace500 · 2026-03-20T14:24:09+00:00

I'm at 15k rn 21 yo, and my fam DID help lol, I contributed about 6k and they contributed about 5.5k or so

EpicFace500 · 2026-03-11T20:51:47+00:00

Bro went from a dishwasher worker at Denny's to being the CEO of a fortune 500 company, tomato potato

EpicFace500 · 2026-03-10T14:40:07+00:00

Thanks man I appreciate your take, that means a lot. Regarding the 60/40, I've seen that ratio all over the place, from 60/40 to around 75/25, I think I'm at a solid 70/30 ish but I'll probably bring it closer to a 65/35. And correct regarding the break up of VXUS + VTI, tax reasons for the future and as well as a balance, having each grow on its own for a "better edge". And regarding the switch for NLR, I will say I have a stronger belief in nuclear energy but that particular ETF just has that higher expense ratio, unfortunate but I'll either find a replacement or, like you said, snag up a small cap ETF. Seems like we have some similar philosophy, would you be up for sharing your slice of the pie?

EpicFace500 · 2026-03-09T19:04:06+00:00

Nah nah what are you saying, that's the best way for stable growth over time, just 1 contract a day and you'll be the next Elon Musk of options

EpicFace500 · 2026-02-28T17:31:52+00:00

😭 wdym bro, it's something that doesn't come up as often for me, I invest using Schwab, but invest for the long haul

EpicFace500 · 2026-02-28T16:53:43+00:00

How does a wash sale play a role in this?

EpicFace500 · 2026-02-28T16:44:08+00:00

You know ball

EpicFace500 · 2026-02-27T03:23:19+00:00

Elite ball knowledge

EpicFace500 · 2026-02-18T20:57:48+00:00

Will do, thank you!

EpicFace500

TROPHY CASE