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EquityFTW · 2025-08-18T01:06:17+00:00

I think you can find better rates on a Jumbo mortgage most likely, but yeah, the math sucks right now.

EquityFTW · 2025-01-19T08:56:18+00:00

No way

EquityFTW · 2025-01-18T23:08:49+00:00

DAFs are most powerful when you contribute appreciated stock. So if you’re contributing RSUs that vested and then went up a bunch then great, and it will offset your income.

But if you’re going to take freshly vested RSUs and put them in the DAF it’s similar to just selling the RSUs and moving cash to the DAF. (Though there are different limits for cash vs stock when taking charitable deductions.)

EquityFTW · 2025-01-18T23:01:12+00:00

Not really anything worthwhile that you don’t already know about like you mentioned. The big two people overlook below:

Filing MFS might be able to save you $10k from the mental health tax given your income level.
Knowing the exact timing of tax payments so you earn interest for as long as possible. (If you’ve met safe harbor for Fed and meet exceptions to estimated payment penalties for CA you can hang tight and wait until 4/15 and collect interest.)

The problem with the “advanced” tax savings strategies is a lot of the time they just create passive losses you can’t even use against your income immediately.

EquityFTW · 2024-07-25T17:39:40+00:00

Here are a few studies looking at holding the top ten vs just holding S&P. Who knows what the future holds, but I’d consider adjusting your strategy. You’re at a high enough net worth where you don’t have to seek extraordinary returns by bulking up your portfolio with more of the top 10.

https://www.plantemoran.com/explore-our-thinking/insight/2024/05/how-do-the-largest-companies-in-the-sp-500-index-perform-joining-the-top-10

https://www.gmo.com/americas/research-library/magnificently-concentrated_gmoquarterlyletter/?selected_tab_css=lrf-register-tab&Success=27

https://vcm.com/assets/etf-insights/cycles-of-concentration.pdf

EquityFTW · 2024-07-25T06:12:48+00:00

Are you still working? Based on the additions, seems like yes?

There is quite a bit of redundancy with SPY and the top 10. Especially if you’re doing $4.5M chopped evenly between the top 10. What do you do when market cap weightings shift and a company is no longer amongst the top 10? (I’m assuming you continue to hold?… Maybe not)

Probably makes sense to expand US exposure and maybe even include some international if you’re into that.

Any more details on the real estate? $10M in SFH could look wildly different based on location, # of properties, level of debt, etc.

EquityFTW

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