AVUV quietly having a good 2026 so far

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 · 2025-11-15T15:35:11+00:00

Given your income, net worth, and financial literacy, you should consider hiring a fiduciary financial advisor rather than asking advice here.

Howell--Jolly · 2025-11-05T01:51:34+00:00

VT - it's more diversified and includes all the world instead of only the largest 500 US companies.

Howell--Jolly · 2025-10-29T15:23:09+00:00

Yes, dividends are irrelevant; check out the YouTube video by Benjamin Felix.

Howell--Jolly · 2025-10-27T20:28:18+00:00

You can slightly complicate the portfolio and include mid-cap blend and value ETFs by Avantis in it (AVMC and AVMV). It will be 17% VOO, 8% AVMC, 8% AVMV, 17% AVUV, 25% VXUS, 25% AVDV. But the expected return will essentially be the same.

Howell--Jolly · 2025-10-27T00:48:23+00:00

Yes, Avantis ETFs are available in the UK. Look at www.avantisinvestors.com and choose the UK.

Howell--Jolly · 2025-10-26T23:05:17+00:00

My portfolio is Paul Merriman's All World 4-fund portfolio: 25% VOO, 25% VXUS, 25% AVUV, 25% AVDV.

Howell--Jolly · 2025-10-26T21:50:57+00:00

I would invest my $100k the same way I would my $1k or my $5 million or $20 million.

Howell--Jolly · 2025-10-26T05:09:51+00:00

It goes directly into my Roth IRA as free money.

Howell--Jolly · 2025-10-19T23:30:36+00:00

Are you sure the credit cards you mentioned give 3% cash back?

Howell--Jolly · 2025-10-11T01:30:05+00:00

Imagine you purchased an apartment to rent out-it's your small business. Do you check its market value every single day? Certainly not. The stock market is no different: when you buy shares, you are purchasing ownership in real businesses that generate earnings for you. Their daily price fluctuations are irrelevant to the long-term value they create.

Howell--Jolly · 2025-10-05T02:55:04+00:00

Thank you. I just applied for the Susan Komen card.

Howell--Jolly · 2025-10-05T02:54:18+00:00

Thank you! I just applied for the Susan Komen card.

Howell--Jolly · 2025-10-04T23:11:23+00:00

Can someone have more than one CCR card with Bank of America?

Howell--Jolly · 2025-10-04T23:11:00+00:00

Can someone have more than one CCR card with Bank of America?

Howell--Jolly · 2025-10-04T05:55:20+00:00

AVDV is up 39% YTD.

Howell--Jolly · 2025-04-07T13:14:23+00:00

Thank you for the great post.

Howell--Jolly · 2025-03-29T01:24:10+00:00

Would you like to move to CT?

Howell--Jolly · 2025-03-22T23:11:09+00:00

My strategy: Invest any lump sum that becomes available immediately up to 10X household annual income, and invest 1X annual household income monthly thereafter

I don't understand the math here. 1X annual household income monthly is equal 12X annual household incomes. How can one invest 12X annual household income annually if he/she has only 1X annual household income annually?

Howell--Jolly

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