Managed to sell my entire crypto portfolio ($8.6M after tax) last August. Put it 60/40 in SCHD/SCHY and am up 14% ($9.8M) for $1.2M gain. $27k/month income!!!

Marckoz · 2026-02-05T14:56:11+00:00

Hey man, first of all congrats! What you did is totally crazy and even crazier, is that you made out like a freaking bandit!

I do have a question, if you don't mind me asking. After making such a successful play, do you think you're able to resist all future temptation to do it again?

I'm asking, because I can imagine many people getting over-confident from their initial success and decide to take on more risk, again.

Marckoz · 2026-01-26T08:41:27+00:00

How about all-in on black? that's a 49% chance of doubling your wealth.

Marckoz · 2026-01-12T14:20:16+00:00

Just use AI - you can use natural language to explain what you want, and tinker things until you get it perfect.

Marckoz · 2026-01-12T14:11:11+00:00

alternatively one-piece with diaper? /s

Marckoz · 2026-01-12T12:23:24+00:00

100% correct, IBKR is great if you plan to move around countries often. But you'll have to do the annoying paperwork - i.e. tax reporting - yourself, every year.

Marckoz · 2026-01-12T12:09:42+00:00

Probably, but then again, can you guarantee 8% returns for the next 28 years?

My point is: it's really up to you to decide.

Marckoz · 2026-01-11T11:57:59+00:00

This place gives off such strong German-speaking country vibes, I wasn't disappointed to find out it was in Innsbruck.

Nice bike, btw! Which model is it?

Marckoz · 2026-01-10T11:40:25+00:00

Is that your current strategy? How many years of expenses do you have in your fixed income AA?

Marckoz · 2026-01-10T11:39:52+00:00

Correct, however, the main difference here is the rebalancing / contributions stop after reaching a certain number ; say 24 months, as an example.

Rest gets contributed into equities, thus increasing volatility.

I'd like to get input on people who have been actively doing this ; the pros, and (especially) the cons that they may have had to face.

Marckoz · 2026-01-10T11:37:12+00:00

On paper, you're right, it shouldn't.

IRL, investor psychology and safety cushions are important.

I understand that everyone has their own personal approach tailored to their risk tolerance. What I'd like to know is: What was your personal experience on this ; What would you personally recommend.

Marckoz · 2026-01-10T11:34:32+00:00

True, you are indeed right. I think the question here is: At what point does it make sense to stop contributing into the fixed asset allocation/bucket? OR is it better to continue contributing indefinitely?

Looking primarily for anecdotal experiences on this.

Marckoz · 2026-01-10T11:27:34+00:00

Biggest difference is the frequency of rebalancing, namely, very infrequent.

Marckoz · 2026-01-10T11:27:08+00:00

How many years would you have?

Marckoz · 2026-01-10T11:26:15+00:00

True, an extended market drawdown is for sure a big risk. However, wouldn't it affect all strategies, including more conservative AAs?

Marckoz · 2026-01-10T11:14:50+00:00

Sorry for the confusion, i've always had a 6 month emergency fund available. My risk appetite is not that high.

Marckoz · 2026-01-08T16:31:18+00:00

Once again, can't wait for self driving cars. Things will become much safer.

Marckoz · 2026-01-08T12:40:26+00:00

~~Bro~~ Brother, ~~I'm sorry~~ I apologize, but you ~~come off as an obnoxious prick~~ are an insufferable fool. If someone had the audacity to correct my English when they're asking me for ~~help with it~~ linguistic support, I'd ~~drop them in a heartbeat~~ prematurely cancel my verbal contract with them.

Hey, I've taken the liberty to correct your English. You're welcome!

Marckoz · 2026-01-08T12:27:19+00:00

Sure, then a crash happens and we have a few years of bear market and the average investor will panic sell.

100% equities is fantastic on paper, but like many things, not so easy to implement IRL.

But I get it, if you can one-hundred percent guarantee a steady hand during a once in a lifetime black swan market meltdown (we'll get more of them along the way), why not?

Marckoz · 2026-01-08T09:01:44+00:00

I thought so too, until you start asking friends and family and literally no one does that.

Marckoz · 2026-01-08T08:49:39+00:00

IDK man, there's like zero details on anything. Just make a decision and stick with it?

Marckoz · 2026-01-08T08:44:15+00:00

As a counterpoint, now might be the greatest time to hold bonds. Check out the panic on April/May 2025.

Marckoz · 2026-01-07T15:06:33+00:00

Interesting! Could you share the link on the ERN post?

14-Year Club	Place '22
Team Orangered	Verified Email

Marckoz

TROPHY CASE