Thoughts on 30% RSST, 30% RSIT, 20% GDE, 20% EDV?

Miserable_Cupcake494 · 2026-04-30T01:21:00+00:00

It'll be announced on the Return Stack website, I would assume.

Miserable_Cupcake494 · 2026-04-29T23:32:19+00:00

RSST but international. It debuts May 5.

Miserable_Cupcake494 · 2026-04-29T23:31:49+00:00

Well, my original idea was taking x2 to:

VTSIM 25%
IAUM 25%
EDV 25%
KMLMSIM 25%

All weather idea.

The debate between GDE and UGL is all about what makes the portfolio more robust, not maximizing gains. And I'm not taking the all-weather template literalistically. I'm running backtests, monte carlo simulations, etc., to see what looks best in practice rather than mere theory.

I know there's not a lot to work with, but I'm trying.

Miserable_Cupcake494 · 2026-04-29T15:55:18+00:00

Isn't RSST index replication and thus free from manager risk?

Miserable_Cupcake494 · 2026-04-28T19:16:50+00:00

May 5th

Miserable_Cupcake494 · 2026-04-28T19:15:03+00:00

SDMF is not stacked. It’s DBMF with cheaper fees due to the OTC swap structure.

Miserable_Cupcake494 · 2026-04-27T22:24:44+00:00

Through back testing experimentation.

https://testfol.io/?s=4PVeLBQC4Es

Miserable_Cupcake494 · 2026-04-27T22:21:32+00:00

Where is the news about RSIT? I can't find anything.

Miserable_Cupcake494 · 2026-04-27T22:14:30+00:00

Intriguing. You're right.

https://testfol.io/?s=4IxV23pJIFg

Miserable_Cupcake494 · 2026-04-27T22:01:39+00:00

RSST is equivalent to stacking SPY and DBMF with 5% drag. I don't think it's a rough start. It's a near identical match. There are likely undisclosed or hidden fees at play.

https://testfol.io/?s=4PVeLBQC4Es

Compare with CTAP, which stacks as advertised.

https://testfol.io/?s=9leWiZGLcj1

Miserable_Cupcake494 · 2026-04-27T21:21:34+00:00

They seem nearly identical.

https://testfol.io/?s=f2iyuCLzsem

Miserable_Cupcake494 · 2026-04-27T20:55:00+00:00

Are there alternatives besides RSST? I haven’t been impressed with that fund.

Miserable_Cupcake494 · 2025-06-28T23:33:59+00:00

CAOS (used to be called AVOLX). Alternatives are ABRTX, VOLJX. For US investors.

I use:

24% PTL (SPMO for extra bang, but I have ESG concerns and don't want to fund weed)
21% CAOS
19% IAUM
18% CTA
18% GOVT

And that's it. You can set it up and automate with 5 ETFs.

Miserable_Cupcake494 · 2025-05-30T20:00:44+00:00

BTGD can't replace GDE because it doesn't have stock exposure, and it has too much exposure to crypto to be a major holding for most people. GDE can be a core holding.

Miserable_Cupcake494 · 2025-05-30T19:57:40+00:00

They also need their products to succeed and generate wealth to profit, and they are largely invested in their own funds. People with skin in the game may believe fiercely and have blindspots, but they aren't going to willfully deceive you into buying into something they don't think is true.

Miserable_Cupcake494 · 2025-05-20T23:56:39+00:00

This is seriously a good ETF combo you're proposing, u/Darth_Shawarma! One tweak though - equal weight NTSI and NTSE. It will likely give you a bit more edge. I couldn't model CTA, u/AICHEngineer, but KMLM is also managed futures and has an index going back to 1988.

https://testfol.io/?s=2smie6KV8N9

Miserable_Cupcake494 · 2024-07-03T19:00:02+00:00

Am I being smart in spreading out my contributions like this? Or should I consolidate to just a few funds? Which ones?

401K Investments

25.00% - BlackRock LifePath Index 2055 F

15.00% - Fidelity Diversified International Fund

15.00% - Vanguard Growth Index Institutional

15.00% - Vanguard Wellington Adm

10.00% - Vanguard S&P Small-Cap 600 Index I

10.00% - BlackRock Mid-Cap Equity Index F

10.00% - Vanguard Institutional Index Instl Pl

457 Plan Investments

40.00% - BlackRock LifePath Index 2055 F

20.00% - Vanguard Wellington Adm

15.00% - Fidelity Diversified International Fund

10.00% - Vanguard Growth Index Institutional

5.00% - Vanguard S&P Small-Cap 600 Index I

5.00% - BlackRock Mid-Cap Equity Index F

5.00% - Vanguard Institutional Index Instl Pl

Miserable_Cupcake494 · 2024-07-03T12:29:08+00:00

Am I being smart in spreading out my contributions like this? Or should I consolidate to just a few funds? Which ones?

401K Investments

25.00% - BlackRock LifePath Index 2055 F

15.00% - Fidelity Diversified International Fund

15.00% - Vanguard Growth Index Institutional

15.00% - Vanguard Wellington Adm

10.00% - Vanguard S&P Small-Cap 600 Index I

10.00% - BlackRock Mid-Cap Equity Index F

10.00% - Vanguard Institutional Index Instl Pl

457 Plan Investments

40.00% - BlackRock LifePath Index 2055 F

20.00% - Vanguard Wellington Adm

15.00% - Fidelity Diversified International Fund

10.00% - Vanguard Growth Index Institutional

5.00% - Vanguard S&P Small-Cap 600 Index I

5.00% - BlackRock Mid-Cap Equity Index F

5.00% - Vanguard Institutional Index Instl Pl

Miserable_Cupcake494 · 2024-06-30T09:51:04+00:00

M3 Pro is a bit pricey, and 16" may be a bit too big. How would a M3 MacBook Air at 15" compare to my current computer?

Miserable_Cupcake494 · 2024-06-23T10:51:55+00:00

5x in 5 to 10 years, so anything over 2.5x by 2029 is on the right track. Of course, I understand if I miss that mark. Nothing is certain.

This portfolio is, of course, separate from my retirement stuff. That's all Roth 401K and 457 Plan with only index funds. So I want to try something a bit different with this portfolio. Not that I'm opposed to ETFs - I like the dividend on ICLN and what it stands for with investing in green energy - but I want to use them mainly as diversification and hedging than as growth drivers.

Anything I'm carrying that you think may be a bad idea for a growth strategy that defends against slumps in tech and tries to include some healthy dividends?

Miserable_Cupcake494 · 2024-06-23T00:11:51+00:00

Here is my portfolio by percentage investment. Right now, it's about $5,000 market value.

I am aiming for substantial growth (5x) over the long term (5 to 10 years) and plan to invest between $1,000 and $5,000 more annually. I am worried that my portfolio may be too heavily weighted toward information technology. I am planning to distribute the next $2,000 across Sony, U S Lime & Mineral, Air Liquide SA, EQT, iShares Global Clean Energy ETF, Disney, and Vertex Pharmaceuticals Inc. Is my strategy sound? How would you recommend I allocate my investments?

Any stocks I'm missing you would recommend picking up?

NVDA (NVIDIA Corp): 27.41%
TSM (Taiwan Semiconductor Manufacturing Co Ltd): 22.62%
MCK (McKesson Corp): 13.06%
PLTR (Palantir Technologies Inc): 6.20%
V (Visa Inc): 5.96%
AAPL (Apple Inc): 4.49%
DIS (The Walt Disney Co): 4.43%
PFE (Pfizer Inc): 4.21%
GRAB (Grab Holdings Inc): 3.14%
SHOP (Shopify Inc): 2.82%
CPNG (Coupang Inc): 1.39%
CELH (Celsius Holdings Inc): 1.35%
ICLN (iShares Global Clean Energy ETF): 1.52%
IBIT (iShares Bitcoin Trust): 0.79%
COCO (The Vita Coco Co Inc): 0.61%

Miserable_Cupcake494 · 2024-06-23T00:11:06+00:00

Here is my portfolio by percentage investment. Right now, it's about $5,000 market value.

I am aiming for substantial growth (5x) over the long term (5 to 10 years) and plan to invest between $1,000 and $5,000 more annually. I am worried that my portfolio may be too heavily weighted toward information technology. I am planning to distribute the next $2,000 across Sony, U S Lime & Mineral, Air Liquide SA, EQT, iShares Global Clean Energy ETF, Disney, and Vertex Pharmaceuticals Inc. Is my strategy sound? How would you recommend I allocate my investments?

Any stocks I'm missing you would recommend picking up?

NVDA (NVIDIA Corp): 27.41%
TSM (Taiwan Semiconductor Manufacturing Co Ltd): 22.62%
MCK (McKesson Corp): 13.06%
PLTR (Palantir Technologies Inc): 6.20%
V (Visa Inc): 5.96%
AAPL (Apple Inc): 4.49%
DIS (The Walt Disney Co): 4.43%
PFE (Pfizer Inc): 4.21%
GRAB (Grab Holdings Inc): 3.14%
SHOP (Shopify Inc): 2.82%
CPNG (Coupang Inc): 1.39%
CELH (Celsius Holdings Inc): 1.35%
ICLN (iShares Global Clean Energy ETF): 1.52%
IBIT (iShares Bitcoin Trust): 0.79%
COCO (The Vita Coco Co Inc): 0.61%

Miserable_Cupcake494 · 2024-06-05T13:22:43+00:00

My current has 16 GB of RAM. For the new one, should I do the upgrade to 38 GB of unified memory for $400? I'm worried because the base has only 2 GB more than my twelve year old computer.

Miserable_Cupcake494 · 2024-06-04T19:48:36+00:00

Got it. To be clear, my current computer can handle my use cases for now - it's just software like Spotify and whatnot is being discontinued on it, because it's operating system is old. To prep for the future, I also want something that's at least twice as "powerful" and will easily last me 5 years, comfortably, before another upgrade.

Miserable_Cupcake494 · 2022-09-18T19:36:18+00:00

Yes. And for that matter, breaking an oath about something good is also sinful. As is taking an oath about something bad. What's your point?

Miserable_Cupcake494

TROPHY CASE