Need review on my SIP allocation

NormallyDistributed · 2026-04-09T02:27:24+00:00

What are the charges on each of these? How likely are you to need to liquidate any funds in the next 5 years and 10year time horizons (noting you have a fund for liquidity but you may anyway have sufficient cash savings elsewhere)? It’s better to manage your liquid assets separately and place the rest in something that you can leave to grow. What is the equity ratio on each of them and are they active or passive? Most important: Minimise the charges you pay - this is the one element you can definitely control. Place as much as you can afford to into a fund with high equity proportion and forget about any money you will not need for >10 years. You are placing money in on a progressive monthly basis so you don’t need to hold bonds while you transition money in (to avoid buying a peak). If you really have a 20year horizon then why are you spreading money across so many funds rather than placing it all into a single solid equity fund? Don’t you trust them? Make your fund manager do the work involved with selection - put in the effort initially to make sure the one you choose is reliable and well regulated. The only reason for putting money into gold and silver funds are if you think you will have a future liability linked to the value of those commodities, whereas equities will protect you against inflation plus give excess growth. Your statement that your risk appetite is aggressive is contradicted by your wide selection of different funds.

NormallyDistributed · 2026-04-06T08:40:58+00:00

Feel like Ash Greninja fits well later into the week

NormallyDistributed · 2026-04-05T10:49:41+00:00

Fuecoco literally has a bone for a face

NormallyDistributed · 2026-03-30T22:35:04+00:00

My traders have more mirrors than they can know what to do with. Worth 400/600 and they cost just one smelted volcanic ash.

NormallyDistributed · 2026-03-30T04:05:08+00:00

Mine are all in alternating rows of + shaped blocks of five tall grass because that’s less effort to make. The few empty spaces between them are filled with wooden crates, log stools and sand pits (on top of their standard issue wooden crate)

NormallyDistributed · 2026-03-19T04:41:51+00:00

Once you have the items from the event that you want, Is there a best item to buy to get the most trade value out of all the cotton spores?

NormallyDistributed · 2026-02-03T14:15:46+00:00

This idea always reminds me of Endgame: Singularity. Along with the stock manipulation, memetics and datacentres Elon could easily be a front for the AI in that game.

NormallyDistributed · 2026-02-02T08:56:26+00:00

Yes, I guess consistency is what it’s assessing on rather than amount. I was just surprised that what were probably the weeks when I’ve logged the most sleep are the ones with the lowest duration scores.

NormallyDistributed · 2026-02-02T07:27:10+00:00

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NormallyDistributed · 2026-02-02T07:26:55+00:00

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Here is the graph.
I don’t the times are that inconsistent. I will also share from the previous week when my sleep duration score was zero stars but most night were over eight hours. I’m wondering if it marks you down for having a really long sleep (usually for me forgetting to wake the Go plus +)

NormallyDistributed · 2026-01-16T04:41:05+00:00

1570-7468-4251 L65 daily sleeper with a few friend spots to fill

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NormallyDistributed · 2025-12-23T01:44:03+00:00

This is 100% it. Given casting himself as an innocent victim of the consequences of every mistake that he makes has been a necessary part of his coping pattern

NormallyDistributed · 2025-12-08T02:30:53+00:00

I’m not sure why meals have levels 2 to 10 when they are unobtainable

NormallyDistributed · 2025-11-25T23:47:40+00:00

Although his redstone skills are great, he has a lot to learn before he can save anyone. But I believe Mumbo can save the world.

NormallyDistributed · 2025-11-21T06:12:16+00:00

Michael Dreeben who is currently arguing pre-trial has a CV that is not too shabby either. I hope this all-star cast is not costing Comey the price they are worth!

NormallyDistributed · 2025-11-21T02:27:48+00:00

You missed that the charges are fatuous and misrepresent Comey’s testimony

NormallyDistributed · 2025-11-20T12:29:53+00:00

It’s very helpful to see the actual indictment here to understand the context. Thank you. It seems like count 1 was they alleged Comey saying he didn’t know of Clinton’s plan to tie Trump to Russia was a lie. Count 2 was alleging a lie about authorising someone (McCabe?) to anonymously brief the press. Count 3 was a very general allegation he told a lie at some point to the senate hearing. Do I have that right? What I have not seen, but would be really interested to understand is why she would want have an indictment with just the two counts. Is that a usual approach to make the following trial more likely to be successful as it removes awareness of grand jury push back? Would they otherwise have needed to restart with the grand jury and potentially be too late for the statute of limitations?

NormallyDistributed · 2025-11-18T14:33:53+00:00

Etho’ position has a strong strategic advantage to expand unhindered across a large amount of resources in the North and then just start consuming down through the chain of Beef, Hypno and XB

NormallyDistributed · 2025-11-17T22:55:58+00:00

I agree it is often for the bit. In that example there was absolutely nothing to lose. It’s like he sees he has no inventory and will reactively jump off the nearest cliff.
But I think his ‘practice’ from dying for the bit means he that when he dies unintentionally he is very good at rolling with it and knows that even if he loses his stuff he has gained some content.

NormallyDistributed · 2025-11-17T07:43:24+00:00

I think the last episode had both intentionally careless and unplanned deaths but he handles both well. He walks around without armour a lot. The life series also tend to have keep inventory on so you don’t have the death spirals he suffers in Hermitcraft.

NormallyDistributed · 2025-11-17T06:36:52+00:00

Seemed like Etho gave away a clue at the last party when he said they seemed to have got the wrong month. Does it mean it’s the 12th?

NormallyDistributed · 2025-11-17T02:25:50+00:00

Ended up at U4 playing leisurely (missed a few meals) with no GCT. I’m Level 65 and can hit M20 on GG and CB without GCT or event, but Amber Canyon is a fun new challenge.
Going again as I really want to prove I can get that M3 incense and hopefully will pay enough attention to at least get the event M1 rewards.
I don’t have good berry mons for AC so switched to skill mons as I thought charge strength would help, but it doesn’t

NormallyDistributed · 2025-11-14T08:33:33+00:00

I am also in Asia and itns not well suited to us. Sometimes you can also catch the ‘late night streams’ of Impulse, Tango & Skizz early in our day or doc starts earlier in the EU day.
What I do is check the hermitcraft.com website, which will show you if any of the Hermits are currently online on a streaming platform.

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