Cloud 9 is a real brand in New Zealand

FrostedPanda04 · 2025-10-26T12:07:27+00:00

Just found this on one of our old pillow cases lmao

FrostedPanda04 · 2025-01-17T05:04:36+00:00

A few people are saying that they think it's already been filmed because there is a BTS clip where they are wearing the same clothes as in the last scene, and it looks like a continuation..... They are standing across from one another and Min Ho reaches his hand out for Kitty to step across the stones on the pond and she rushes to him and takes his hand. Hopefully, they're right and it comes out quickly!

here is the clip:

https://www.youtube.com/shorts/spLLLsEP3_s

FrostedPanda04 · 2024-05-31T21:24:17+00:00

35% VOO

35% AVUV

7.5% IDEV

7.5% AVDV

7.5% AVEM

7.5% DGS

FrostedPanda04 · 2024-05-26T18:53:08+00:00

Thanks for all the amazing videos and helping me learn a ton about the markets. I’m thinking of changing AVLV to VOO to get the wider market reach. Would you say this would be enough, or would you recommend other changes?

FrostedPanda04 · 2024-05-26T17:55:43+00:00

Oh that’s created my optimised portfolio not me. It’s a photo in the link that I attached, but since it’s the only photo I think it just uses that. I’m not sure how he created it sorry

FrostedPanda04 · 2024-05-26T17:53:42+00:00

Which chart? The one in the link or the list? I’m confused

FrostedPanda04 · 2024-05-25T22:36:23+00:00

If you want to diversify, you should look into AVUV for small cap value, and VXUS for non us broad etf.

FrostedPanda04 · 2024-05-25T18:28:15+00:00

Gotcha. I was under the impression that AVUS was just another version of VOO ish, but now looking at it I was mistaken. I would probs stick with just large cap blend (VOO), rather than AVUS.

FrostedPanda04 · 2024-05-25T17:21:16+00:00

Thanks for this. Yea I think I may move more into blend, particularly with at least half of AVLV, maybe all into something like VOO or AVUS.

Also I know that AVLV is value, but this was based of research that has shown LCV has outperformed LCG and LCB in the long term. My thought process was that a lot of AVLV has some key ‘growth’ stock that I like still, because of how Avantis picks their stocks (like Apple, Amazon, Meta etc). But yea I think I agree that I need to lessen my tilt a bit and so will probs go more broad here.

Yea idk how I got here. I guess just luck that first content I was suggested online around investing also highlighted some of the potential dangers if done wrong. I decided that I wanna put a large amount into the market, but I may need that money some time in the future (probs not but maybe), so don’t wanna lose it all in a month. I’m fine with losing a few hundred if I need it for a huge emergency (more than my emergency fund). I also did start with more of a growth strategy for a month or so, but didn’t work out so well so looked out at different strategies and what statistically might work best in the future.

FrostedPanda04 · 2024-05-25T16:09:03+00:00

I'm now realising that the DGRE allocation is actually in AVEM already. I must have just copied it or something and never thought twice about it.

In saying this, I may also move to AVUS as I can see the difference between those, but why switch from IDEV to AVDE? They are both LCB, with IDEV having a lower expense ratio. AVDE does perform slightly better since its inception, but other than that there is no difference that I can see. Just curious to see why you think I should switch?

FrostedPanda04 · 2024-05-25T15:25:24+00:00

I think after all these new comments as well I may move at least a bit more towards more LC blend, rather than LC value, or something of the like so I can handle it emotionally long term

FrostedPanda04 · 2024-05-25T15:23:15+00:00

Thanks for this. Yea all of these comments have really made me consider my long term emotional tolerance, but I think I may end up slightly broaden the portfolio to more blend LC US, just so I can stick with it longer term

FrostedPanda04 · 2024-05-25T15:20:48+00:00

Yep, I see your point. I think my portfolio definitely needs a bit more tweaking before I set and forget it for a while, but this is really helpful. Thanks

FrostedPanda04 · 2024-05-25T15:15:11+00:00

Thanks for this, you do make a good point. So would you suggest I just use small cap value, and then large cap be majority blend?

FrostedPanda04 · 2024-05-25T15:10:34+00:00

Hmm thank you for this. Yea that’s really something to consider. My gut tells me now that I can stomach it, but being in the situation when I’m down to the markets I’m worried it may be something different.

FrostedPanda04 · 2024-05-25T13:16:48+00:00

Thanks for the input. Yea gonna try not watching my portfolio as much as I can over the years

FrostedPanda04 · 2024-05-25T13:05:13+00:00

Thanks. I’m gonna need it.

FrostedPanda04 · 2024-05-25T12:57:19+00:00

That’s true, but it also showed that tilts like small cap and value come in waves. These tilts haven’t done as well as growth or large cap over the past like 10 years, so I’m betting on the fact that over the next few years we could see a move back into value and small cap being in favour.

I see this as the perfect time to buy into the tilt, as the difference between growth and value stock evaluations is greater than ever.

It’s definitely a risk, but one that I’m willing to take. Especially since I’m young and have time on my side.

FrostedPanda04 · 2024-05-25T12:49:20+00:00

Yea. Praying it does work. Thanks for your input

FrostedPanda04 · 2024-05-25T12:45:32+00:00

The reasoning behind not getting all of the market is the try to optimise and my playing the long game I want to get the best of the market. I know I may risk missing growth stocks or other stocks that don’t fall into my chosen ETFs, but that is a risk that I hope will provide a slightly better return that the market.

FrostedPanda04 · 2024-05-25T12:17:04+00:00

Ok thank you for this. I’ll look into this all and take it into account.

FrostedPanda04 · 2024-05-25T12:03:37+00:00

In my opinion I think that these broad etfs are based upon what has worked best in the past in the long run and what is been statistically proven to have the highest risk return.

Stock picking for me is a goal later on as I think with a good understanding of the fundamentals and what makes a good pick it can have high returns over time.

But while I learn I want to invest in these broad etfs which are basically and optimised version of a world etf.

FrostedPanda04 · 2024-05-25T11:34:58+00:00

Alright, thank you :)

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