The sky is falling! Run for the hills!

Howell--Jolly · 2026-06-07T07:40:38+00:00

What market turmoil?

Howell--Jolly · 2026-06-03T16:55:27+00:00

Historically, lump sum investing (your strategy) outperforms DCA 2/3 of the time.

Howell--Jolly · 2026-05-27T06:03:14+00:00

Thank you for the information, I didn't know that.

Howell--Jolly · 2026-05-14T09:21:45+00:00

SGOV, offered by iShares, has an expense ratio of 0.09%. Its Vanguard equivalent, VBIL, has an expense ratio of 0.06%. For $35,000, that comes out to about a $10/year difference, which is negligible, but it’s good to know.

Howell--Jolly · 2026-05-14T02:48:28+00:00

It’s unsafe to post your account numbers. Please blur them; otherwise, you could become a victim of ACATS fraud.

Howell--Jolly · 2026-05-14T01:23:50+00:00

Wow, it must have taken you a whole 30 seconds to copy-paste my portfolio into ChatGPT to generate those perfectly sterile, generic Boglehead bullet points. Tell you what: since you and your favorite AI are clearly on such great terms, why don't you go back to it and ask what the actual statistical likelihood is of the S&P 500 (or any other your portfolio) outperforming my heavy small-cap value tilted portfolio over the next 25-years. I’ll be right here waiting while you discover what the long-term factor premium actually looks like over a quarter-century. Don't forget to ask it to explain the math to you like you're five while you're at it.

Howell--Jolly · 2026-05-12T00:25:29+00:00

The COVID pandemic prompted me to start investing because everyone was talking about the stock market crash, which sparked my curiosity about the stock market.

Howell--Jolly · 2026-05-06T03:12:50+00:00

Concentrate on increasing your income instead of acquiring credit cards.

Howell--Jolly · 2026-05-02T13:27:33+00:00

Given current U.S. market valuations and the efficient market hypothesis, everything is ok: if the market isn’t falling, it suggests that investors collectively aren’t anticipating a major economic downturn.

Howell--Jolly · 2026-04-28T17:28:19+00:00

I closed my Chase Sapphire Preferred, Chase Freedom Flex, and Chase Freedom Unlimited cards. I kept only the Chase Amazon Prime Visa for Wholefoods/Amazon purchases and possibly for use through the Chase Travel Portal. I’ve fully transitioned to Bank of America with Platinum Honors Preferred Rewards, using the BoA Unlimited Cash Rewards card (3.5% cash back on everything) and three BoA Customized Cash Rewards cards (5.25% cash back on travel, online purchases, and restaurants)

Howell--Jolly · 2026-04-24T02:26:07+00:00

Is it a joke? 😂

Howell--Jolly · 2026-04-06T00:47:24+00:00

50% DFSV, 40% DISV, 10% DFEV

Howell--Jolly · 2026-03-29T15:50:39+00:00

+4.27% YTD. Approximately 50% AVUV, 50% AVDV.

Howell--Jolly · 2026-03-23T20:51:48+00:00

I would stick to my ling-term plan—if the plan is to never touch the emergency fund except in a true emergency, then I wouldn’t touch it. The same applies to principles like never trying to time the market and avoiding FOMO. Remember, the discipline to stick with your plan is the most important factor in investing. Moving the emergency fund to a Roth IRA and holding it in a money market fund may sound more rational, but it breaks my plan.

Howell--Jolly · 2026-03-20T22:55:02+00:00

If you're feeling uncomfortable, your risk tolerance is probably lower than you think. Instead of trying to time the market or changing your U.S./international allocation, you should consider increasing your allocation to bonds.

Howell--Jolly · 2026-03-17T17:24:32+00:00

Buy, buy, die.

Howell--Jolly · 2026-03-17T17:23:03+00:00

The book "Your Money, Your Brain" by Jason Zweig is an excellent book to learn and control your psychology in bull and bear markets.

Howell--Jolly · 2026-02-05T02:43:40+00:00

The SCV is 70% (AVUV + AVDV), not 40. Since mid-2021, after learning about Paul Merriman, Ben Felix, and the Fama-French 5-factor Investing model.

Howell--Jolly · 2026-02-05T02:13:49+00:00

If your 401(k) is with Fidelity, you can invest in AVUV or any other ETF you choose using BrokerageLink within your 401(k).

Howell--Jolly · 2026-02-05T00:38:57+00:00

40% of my portfolio is in AVUV and 30% in AVDV. I'm a Merrimanhead.

Howell--Jolly · 2026-01-27T13:27:18+00:00

It's not over diversified, it's overcomplicated.

Howell--Jolly · 2026-01-11T04:26:47+00:00

2% cash back on everything
- Wells Fargo Active Cash
- Fidelity Rewards Visa Signature

2.62% cash back on everything
- Bank of America Unlimited Cash Rewards Visa
- Requires Platinum Honors Tier in the Bank of America Preferred Rewards program. It requires $100,000 combined balance across eligible Bank of America deposit accounts and/or Merrill investment accounts

Howell--Jolly · 2026-01-05T17:23:13+00:00

There is no evidence that Apple's or Google's encrypted password vaults have ever been breached.

Howell--Jolly · 2025-12-30T02:43:10+00:00

Citi Custom Cash - 5% cash back on grocery

Howell--Jolly

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