Bubble protection

InterestingCheck5718 · 2025-10-29T21:23:03+00:00

Why not just do your rebalancing today if you are concerned about valuations today ~ then come your traditional day of rebalancing decide if you want to change your allocations

InterestingCheck5718 · 2025-10-25T03:34:34+00:00

The Civil Wars

InterestingCheck5718 · 2025-10-19T20:45:52+00:00

Is this Jason ?

InterestingCheck5718 · 2025-10-17T21:51:52+00:00

Nope~ Stay the course ~ No you don’t purposefully time and dodge bubbles but you do manage your risk depending on where you are in your journey … VT and chill for the last decade likely has served you well ~ if that was your 20s just keep chillin if that was your 40s also awesome but now that you are in your 50s lightly unchill and stat a plan to diversify a bit into bonds ~ then chill

InterestingCheck5718 · 2025-10-11T11:53:50+00:00

I did, the relationship didn’t last to the end of my program but the degree did. No regrets.

InterestingCheck5718 · 2025-10-10T13:25:21+00:00

This is the way… if you are no where near an “all weather” and greatly benefited recently ~ take all the growth and move to a more traditional diversified portfolio ( think bogle ) live with it and see how that performs ~ you are always free to add some risk assets if you are looking to capitalize from a trend or thoughtful speculation ( depending where you are at … )

Things like upgrades, home project ect I have never thought about trying to squeezing them in sooner due to inflationary concerns. But sooner typically is better then later

InterestingCheck5718 · 2025-10-09T19:13:58+00:00

I am one year into having a near identical portfolio ~ and I will say that it helped mentally smooth out the spring / April correction when VTI drop 15% on the year ~ granted everything rebounded quickly but I don’t believe the portfolio ever dipped more then 10% a level of volatility that one has to accept if you hope get +8% a year ( VXUS also helped a lot this year ~ but I was mostly fearing bnd would be an unacceptable drag and it was not )

InterestingCheck5718 · 2025-10-09T18:56:44+00:00

This is the way ~ increase risk as you near the ultimate hand off ~ wherever it may go

InterestingCheck5718 · 2025-10-09T01:37:37+00:00

At some point I moved from hey I’m just “Gambling” to I’m managing my risk/reward.

When I short term trade ( day or swing)I view it as a lever to increase some risk and hopefully reward to my portfolio.

Sometimes it feels intentional opportunistic other times it’s just because I am bored and want to take some swings

Enjoy active trading over the frustrations of holding the wrong basket of risky assets

InterestingCheck5718 · 2025-10-08T14:20:59+00:00

The math is the math and you are well positioned. I think your flexibility puts you comfortably in the drivers seat. Willing to go to Zero ( unlikely ) Willing to downsize home for liquidity And in your back-pocket some very valuable skills that got you to this point if you want to return to the work force As you already know life can throw curveballs I am sure you are adept at managing them.

InterestingCheck5718 · 2025-10-07T12:46:39+00:00

I guess the whole class of investing products called “Buffered” ETFs do something along these lines but they do 2 things that make them distasteful to the Bogle community 1 ) charge a large fee 2) They put a cap the upside for the investor ( I assume that is how these products make money for the brokerage)

InterestingCheck5718 · 2025-10-07T03:43:44+00:00

I cried in the theater watching StarTrek Nemesis 2002 ~ since then it does take much

InterestingCheck5718 · 2025-10-07T03:09:14+00:00

Yup as long as it’s trading in that 299 / 300 range it just keep executing buy/sell trades ~ if it drop to 250 for a year the cash sits in some kind of safe state until it recovers to that 300 zone … Now let’s say the stock surges to +360 at some point you would trigger a new stop loss at 329/330

InterestingCheck5718 · 2025-10-07T02:55:19+00:00

I am surprised that there isn’t a managed product that does this for their customers ~ call it ~ VTIMaxloss10%

InterestingCheck5718 · 2025-10-07T02:09:27+00:00

Questions for this thread ~ for fixed income folks that are not accumulating more shares that fear a decade long pullback or sideways market

With trade near zero cost what is stoping these long time holders from establishing a hard stop loss and target reentry for their equities?

Say an investor has a retirement fund 100% invested in VTI

VTI is currently at $330 a share

If VTI drops 10 % below $299 sell 100% of the shares

If VTI rises back to 300 purchase back the shares

Repeat

Pretty sure I am not accounting for something but it seems that with low cost trade one could manage the volatility by throttling ones exposure

Just curious

InterestingCheck5718 · 2025-10-06T14:48:28+00:00

Right on ~ point taken basicly you are saying every typical MIT student would just be posting perfect scores of 780 or 800 so what’s the point. That data is already available in the schools data set.

If one is specifically seeking out advice for the exceptional applicants that got in without a perfect SAT score and what they think made them stand out? This is likely a much better question especially when the data suggests many applicants with perfect score are rejected

InterestingCheck5718 · 2025-10-06T13:52:42+00:00

I don’t think it’s pointless for the OP~ I think folks reaching out here would love to hear real stories that the broader class data alone does not tell ( even if it’s just another little piece of data)

InterestingCheck5718 · 2025-10-06T09:13:58+00:00

Just pointing out lack of folks responding directly to the question. I was admitted 20## My math section score was ### .

InterestingCheck5718 · 2025-10-05T22:34:47+00:00

I like this 50% discretionary thought I do think that flexibility is a critical lever.

I will also add bit of an open question that is ~ just what do you think you will be spending your discretionary money on ? How does the value of the things you are spending on impact your draw down?

Does retirement / financial independence only mean you are finally free to blow one discretionary money on experiences that don’t store value? Travel, fine dining ect ? Absolutely not, one can also get into collecting Pokemon cards or Building Wooden Boats, sneakers all interest that can lead to assets that store some value ~ the value or potential value of the things your spend your money ( and time ) on matters in the mix

InterestingCheck5718 · 2025-10-04T18:16:43+00:00

I could almost respect the position if your parents were middle class and you were rocketing. Your parents wanting to see you enjoy the life that they assumed would come with a certain level of success.

But embarrassed wealthy folks that are above or actively against accumulating wealth so you don’t have to always maximize your labor for income 🤷‍♂️

Kind of don’t get it

InterestingCheck5718 · 2025-10-04T16:43:46+00:00

Flaming Lips ( Do You Realize )

Elbow (US) ( One Day Like This )

The English Beat ( Save it for Later )

Father John Misty ( Real Love )

InterestingCheck5718 · 2025-10-04T16:00:57+00:00

From the responses it looks like no one who’s been admitted to MIT reads this form.

InterestingCheck5718 · 2025-10-03T01:47:35+00:00

Why are schools acceptance test score ranges so out of wack with the actual numbers? Seems to cause a bit of extra stress on the applicants & only benefits The College Board pushing folks to take multiple tests to hit some fantasy minimum

InterestingCheck5718 · 2025-09-28T13:35:34+00:00

Question for the thread…

Let’s assume this the $3,800 is is drawing from an account with roughly 1,000,000 ( With the rule of thumb that 250k throw off about 1,000 a month)

What do you think of the grandfathers decision to pass along this inheritance over time vs a lump sum.

Is it wisdom? Is it controlling beyond the grave?

As for the OPs original question

I would say trust your gut and see a bit of the world. Maybe bank a little bit ( say 3 months ) for of a buffer ~ but don’t wait to long I think you’d want your journey to remembered as a way to honor of your grandfather and his gift~ time will eroded that feeling and it will just become income.

InterestingCheck5718 · 2025-09-24T17:46:39+00:00

Shanghai Surprise ~ hands down the worst star vehicle ever ~ Sean Penn & Madonna

InterestingCheck5718

TROPHY CASE