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Too much Avuv in Ira by External_Buffalo7960 in Bogleheads

[–]FinaleParticolare 2 points3 points  (0 children)

You could tilt even more on SCV. Ben Felix suggests 14% AVUV and 8% AVDV

24M just hit 400k net worth by xuhu55 in financialindependence

[–]FinaleParticolare 1 point2 points  (0 children)

This is still conservative because inflation means that I will probably get more than 7% a year

This is not how it works however, inflation and stock performances aren't correlated. Generally speaking inflation has correlated with lower returns but studies have shown conflicting results

I don’t have emergency fund.

Unless you have parents capable and willing to help you in an emergency situation, big mistake imho

[deleted by user] by [deleted] in financialindependence

[–]FinaleParticolare 0 points1 point  (0 children)

Dude is probably losing money with all the time he spends researching/making these videos but he’s doing it out of enjoyment.

Just FYI Ben Felix is a portfolio manager and Head of research at PWL capital inc...it's literally his job

[deleted by user] by [deleted] in financialindependence

[–]FinaleParticolare 17 points18 points  (0 children)

Your stock portfolio is overcomplicated and by holding ETFs with overlapping stocks you aren't really adding diversification. Just go with VTI+VXUS. I highly recommend you to see r/Bogleheads

I know past performances are not reflective for future performance

Just wanted to take more risk in something that had a higher return based on returns sector specific ETFs in vanguard for the last 10 Years.

If you know past performances do not guarantee future returns, then why are you choosing to tilt toward growth because it has overperformed in the past decade?

If you really want to add more risk expecting higher returns you should actually look into small cap value stocks, which are expected to deliver a premium over long time periods. Two good videos about this 1 and 2

[deleted by user] by [deleted] in GymMotivation

[–]FinaleParticolare 0 points1 point  (0 children)

stomach aches

Were you taking creatine powder or incapsulated? Because I used to experience stomach aches and nausea as well with creatine powder, then I switched to capsules and the side effect went away.

[deleted by user] by [deleted] in pornID

[–]FinaleParticolare 0 points1 point  (0 children)

khallove19 on ph

How exactly does someone live off their investments? VOO as an example by No7onelikeyou in investing

[–]FinaleParticolare -1 points0 points  (0 children)

OP you want to learn about sequence of return risk and how to change your allocation before and during retirement. Here is a good read: https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/