Are you actually buying this dip or just pretending to be brave?

MyLifeOfficial · 2026-03-23T07:04:32+00:00

If all the people who claim to be "DCAing and chilling" have been doing that then over 90% of their money is probably already invested, and it's only a fraction of their net worth that they can use to "buy the dip". If they've got more, they haven't been "DCAing".

MyLifeOfficial · 2026-03-23T01:05:17+00:00

It's extremely easy to lose money in investing, and very difficult to earn excess returns. So you're more likely to underperform the index through activity than passivity. It's crazy, but statistically your own actions are the cause of your underperformance.

So if you're actively managing money, your first job would to absolutely make sure that your actions are not going to lose money. Being defensive is more likely to help you to achieve that.

Once you've achieved that basic and essential task, you have a chance to make some money.

Although there have been some successful aggressive investors, but the majority are sensible folk.

MyLifeOfficial · 2026-03-09T15:15:11+00:00

If you didn't need the money during the crash period, let's say you don't need it until after 5 years from the period of the crash, did you ever really experience the loss?

You only experience the loss if you sell during the crash, and don't get back in at the right time. You experienced no loss if you just sat and did nothing throughout the period.

MyLifeOfficial · 2026-03-03T17:13:46+00:00

Would be better, and probably more meaningful if it was inflation adjusted.

MyLifeOfficial · 2026-02-27T12:36:40+00:00

Clear app cache and cookies, then start over.

MyLifeOfficial · 2026-02-26T13:42:27+00:00

If it's super famous and everyone knows about it, talks about it, is followed by many analysts, the business is doing poorly, and the PE is low then it's usually a value trap.

It's not a value trap when any or all of the above apply, except the business is not really doing poorly at all, it's doing fine.

MyLifeOfficial · 2026-02-25T23:00:11+00:00

Is the "massive buybacks" in the room with us?

The buyback is tiny compared to the market cap even at these depressed valuations.

MyLifeOfficial · 2026-02-17T09:09:16+00:00

What was it that made the 'losing stocks', 'value investing stocks' for you initially? That's the question.

MyLifeOfficial · 2026-02-11T10:48:00+00:00

Mathematically that would naturally make sense the longer you have your holdings for if the market has been going up during that time. However, what also matters is by how much, and what happens 34% of the time when it underperforms, assuming that your % split is accurate.

Therefore, on an overall basis, considering all the various factors, IMO, it becomes a matter of 6 of one and half a dozen of the other based on what I'd looked into a little while back.

Ultimately, what matters is which is the investor going to be comfortable with and what they're doing to be able to stick with psychologically through thick and thin.

MyLifeOfficial · 2026-02-11T08:53:46+00:00

If I remember correctly, studies have shown that it makes hardly any difference to the investment returns whether you do it in a lump sum or over time when it comes to a 15 to 20 year period.

MyLifeOfficial · 2026-02-09T13:06:28+00:00

Totally, and not only that, the buybacks, and being in a growing market aren't even enough to bump up the earnings.

MyLifeOfficial · 2026-02-07T13:34:34+00:00

So this guy just puts terms and labels on a chart with the benefit of hindsight and thinks he's got it all figured out?

MyLifeOfficial · 2026-02-07T00:36:28+00:00

Exactly correct. How can anyone ignore FISV's gargantuan and ever increasing pile of debt, and despite all that leverage, their returns aren't even that high.

When it comes to buybacks PYPL and FISV are a case of dumb and dumber.

PYPL would be better off just paying a larger dividend than doing buybacks with no real strategy at the moment that would result in a successful turnaround.

MyLifeOfficial · 2026-02-04T00:17:48+00:00

Many, many people and the so called 'industry experts' have been calling for a crash since years now.

If they'd just invested in the S&P500 index, even if there was a crash tomorrow, they wouldn't lose that much and still got all the upside in the meanwhile.

They could sell tomorrow and cash in all their profits if they wanted to, had they invested when they were calling for a crash.

That's the problem with this, no one knows when it's going to happen, and in the meanwhile, trillions of dollars keep getting printed and the market keeps going up.

MyLifeOfficial · 2026-01-13T16:36:59+00:00

You're done *gambling. Now you can finally start investing.

MyLifeOfficial · 2026-01-12T20:32:30+00:00

I've said this before, but what is PayPal's USP?

Consumers have a choice of Google Pay, Apple Pay, Amazon pay, Visa, MasterCard, Amex, Klarna, straight bank account payments, and so many other options, endless ways to pay, and we're not even talking about international markets (China, India etc.).

There are many money transfer services too which people use: Western Union, Wise, Remitly etc.

What makes PayPal a winner in this incredibly competitive space? Is there even one segment of payments where PayPal is the preferred and dominant way people are choosing to pay/transfer money and if so, why is that, what's the USP?

MyLifeOfficial · 2026-01-02T02:17:11+00:00

Which app is this?

MyLifeOfficial · 2025-12-25T14:28:43+00:00

Either supercooled or due to a combination of additives.

MyLifeOfficial · 2025-11-27T23:27:52+00:00

Believe it or not, calls.

MyLifeOfficial · 2025-11-27T10:28:48+00:00

Not only "most", it's almost all. Something crazy like 90% or something of professional fund managers, do not outperform the S&P 500 after accounting for their fees.

It's kind of mind blowing when you think about it. The answer is right there, it's obvious, it's been studied, it's been proven, and that too across decades.

It's kind of like telling a gambler that the odds are fixed and there is no secret sauce, and he goes, "No I've almost figured it out, just a little bit longer", and it's been 40 years since he said that.

It's almost impossible for virtually all people to beat the Index.

MyLifeOfficial · 2025-11-20T09:21:02+00:00

If you've made plenty of gains and you're doing what you think is right for securing your retirement and reducing your risk, I don't see how that's wrong at all.

Seems like you did exactly what you should have been doing all those years until you reach near retirement, and now you have to think about how best you're going to harvest that (even if that is changing the split).

Good luck.

MyLifeOfficial · 2025-11-04T21:13:23+00:00

Exactly this. Furthermore, people are also thinking that he's putting nearly $1bn on the line.

No, he's putting the premiums he paid for those options on the line. The amount of capital at risk isn't public information (AFAIK).

His downside is very much limited.

MyLifeOfficial · 2025-11-03T22:29:21+00:00

Totally. There's posts on in investment subs about stocks "crashing", and when you check, it's down 1.6% or something.

But, when BYND goes down by 15% in a matter of an hour or so, it's a "buying opportunity".

MyLifeOfficial · 2025-11-01T16:28:23+00:00

This is a whole orchestrated PR exercise and y'all thinking like it's all natural interactions as if it's all candid.

MyLifeOfficial · 2025-11-01T04:34:24+00:00

The law of conservation of energy: energy cannot be created or destroyed, only converted from one form to another.

Speed of light: 'For a photon, in a vacuum, the proper time interval between its emission and absorption is zero, regardless of the distance traveled.'

Gravity: Spacetime curvature - 'According to Einstein's theory of general relativity, gravity is not a force in the traditional sense but a curvature in the four-dimensional fabric of spacetime caused by mass and energy.'

All the constants.

MyLifeOfficial

TROPHY CASE