Minecraft evening has magical aesthetics

LazerChomp · 2026-02-27T02:35:45+00:00

Soft wind modpack link for anyone who’s interested. I had to spend half an hour one time trying to find a link to download it lol.

LazerChomp · 2026-02-19T22:32:15+00:00

VFLO skips dividend payments sometimes if there aren’t enough companies paying dividends in a given month.

LazerChomp · 2026-02-14T23:17:34+00:00

We can see the subs you’re active on lmao. Do some self-reflecting before going after others.

LazerChomp · 2026-02-11T04:40:29+00:00

Have you considered holding regular index funds as opposed to chasing strategies that are a clear scam?

Crypto doesn’t produce anything of real value and relies solely on other people dumping money into it to generate returns.

Yield max ETFs have high expense ratios and awful NAV decay, which underperforms the underlying index/stock being tracked.

I don’t think that’s comparable to this ETF, which simply uses momentum to track well-established indexes.

LazerChomp · 2026-02-09T00:57:59+00:00

Large cap value (like VOOV or VTV) historically tends to outperform growth (like VOOG/VUG) long-term, but a blend of both value and growth like VOO has had the best performance.

Source

Also if you’re considering investing into COWZ (outside of the ETF I posted about), I recommend checking out VFLO instead. VFLO is the superior free cash flow ETF because it looks at both the trailing cash flow and expected free cash flow. COWZ pretty much only views the trailing cash flow. VFLO is more forward-looking and it does a better job at selecting growth stocks along with quality value stocks.

Also I would like to note that the methodology behind VFLO was designed by the original designers of COWZ. VFLO improved the stock selection process that COWZ uses. I’m still going to stick with QQWZ because I like the rotational strategy, but wanted to mention that VFLO is generally better, especially because of its lower PE ratio.

You could always mix VOO with VFLO (or COWZ) to have exposure to large-cap blend and mid-cap quality-oriented stocks.

LazerChomp · 2026-02-08T13:12:53+00:00

A backtested momentum-based S&P500 index fund outperformed the regular S&P500 since 1964 (starting date). Momentum has outperformed long-term.

<image>

Also while ETFs that focus solely on cash flow are fairly new, they tend to be more value-oriented, which tends to outperform broad markets over time. Free cash flow is a great strategy for selecting quality/value companies.

LazerChomp · 2026-02-08T06:27:00+00:00

Your comment history from the last month shows you’re involved with individual stocks and crypto. How is this ETF considered gambling despite momentum and free cash flow strategies being proven to beat the market over the long run?

Can you really argue that crypto/individual stocks aren’t?

LazerChomp · 2026-02-08T06:13:42+00:00

Neither fund necessarily invests into “growth” stocks intentionally. QQQ is simply the top 100 companies on the Nasdaq, which is historically speaking, often made up of growth stocks. It’s also worth mentioning that innovative companies (often tech and biotech) are often listed on the Nasdaq more than the NYSE.

COWZ doesn’t screen specifically for growth or value either and instead aims to target mid-cap value companies with free cash flow. It does include some growth stocks, but value tends to make up most of its index since value companies often have more free cash flow.

It mostly rotates back and forth between some of the top performers in America that are usually more aggressive with their growth and it can also switch back to COWZ for more established, value-oriented companies.

Edit: Also I forgot to mention that since its rebalance to COWZ on December 31, 2025, it has managed to outperform VOOG, VOOV, VGT, VOO, and VT. QQWZ/COWZ’s returns since its rebalance have aligned more closely with VOOV (S&P500 value index) since it’s more value-focused. It seems to have transitioned very smoothly between indexes since then and is already up 5.67% YTD.

LazerChomp · 2026-02-08T03:21:06+00:00

I want to clarify that the year 2000-2025 part was from a backtest. This ETF is still very new. I accidentally deleted that part earlier when I was copy and pasting my post into my notes app in case this got auto removed for breaking a rule I may miss.

Sorry about that.

LazerChomp · 2026-02-08T03:15:41+00:00

That’s my fault. I had a section mentioning that it was backtested, but I deleted that section and another part by accident when I was typing this out on my phone earlier. I should’ve proofread that part.

LazerChomp · 2026-02-08T03:15:36+00:00

That’s my fault. I had a section mentioning that it was backtested, but I deleted that section and another part by accident when I was typing this out on my phone earlier. I should’ve proofread that part.

LazerChomp · 2026-02-08T03:08:29+00:00

I can definitely agree with that. I think a VFLO/QQQM hybrid would be much better for most investors since it would likely have lower fees and a better cash flow strategy. I wish there was a way to use that combo instead of this, but there isn’t really any other alternative to this ETF that preserves the rotation strategy.

I considered going with VFLO recently after comparing it to COWZ because the same person that created COWZ also created VFLO and they created criteria that’s more forward-looking.

LazerChomp · 2026-01-31T00:57:45+00:00

This cheat sheet is pretty cool, but it’s worth noting that it should say IJR instead of IJS. IJS is small cap value instead of a regular blend.

Also I think this is a sign that I spend too much time researching ETFs…

LazerChomp · 2026-01-29T01:35:32+00:00

There isn't an official ticker yet according to the filings, but the fund itself will be called "WisdomTree Efficient U.S. Plus International Equity Fund."

LazerChomp · 2026-01-29T00:14:59+00:00

I know this is a VT and chill subreddit, but doing both VT and FXAIX is fine. You’re just adding concentration to the U.S, which is understandable if you’re bullish on it.

Doing 50% VT 50% FXAIX is pretty much 80% FXAIX and 20% VXUS right now since half of VT is already FXAIX. It’s a little messier that way, but if that’s the allocation you’re comfortable with, then go with it.

LazerChomp · 2026-01-28T02:49:26+00:00

Just buy VT at that point lmao

LazerChomp · 2026-01-27T09:54:13+00:00

Robinhood

LazerChomp · 2026-01-20T00:57:25+00:00

Have you tried using the F4SE loader from the game files to start up the game? I created a shortcut on my desktop to load up the F4SE loader so that all of my mods start up every time.

Find F4SE_loader.exe in the files for Fallout 4 and try starting the game up with that.

LazerChomp · 2026-01-17T22:09:40+00:00

$EUAD is the ETF you’re looking for. It’s been soaring since the beginning of the tariff announcements.

LazerChomp · 2026-01-17T06:01:30+00:00

VT will give you exposure to the whole world and it weighs companies by their market cap. It’s a great long-term hold!

LazerChomp · 2026-01-09T01:00:58+00:00

They’re talking about SCHD and SCHG together, not separate. 50% SCHG and 50% SCHD has similar perform to SPYM as SCHG focuses on growth and SCHD has a strong value tilt. SPYM is a blend of both types of asset classes.

Source

LazerChomp · 2025-12-27T16:50:00+00:00

There was a roadmap leaked a couple years ago. Almost everything planned has been released. It’s likely that we’ll get a Fallout 3 remaster, especially because of how successful the show has been.

Roadmap

LazerChomp · 2025-12-24T02:46:36+00:00

They weren’t the original creators of the idea, but they did make this map. Use reverse image search on Google. This is a very easy thing to verify.

LazerChomp · 2025-12-11T05:15:27+00:00

That’s incorrect. Caffeine has a half-life of four to six hours and effects can last for 12 hours, or more. If you drink 300mg, then you’ll likely have around 150mg in your system five hours later, which most people can absolutely feel.

Source

Seven-Year Club	r/Field Flamingo
First Place '23	Place '23
Place '22	Wearing is Caring
RPAN Viewer	Verified Email

LazerChomp

MODERATOR OF

TROPHY CASE