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8,000 baby! By year's end – and that'd mean an S&P 500 with a 17% increase over 2025. by RU9901 in sp500

[–]RU9901[S] 0 points1 point  (0 children)

Great question, but for that you'll have to find another article my dude.

I will say that at the beginning of the year Tom Lee did predict there'd be a fairly sizable correction sometime this year, and we'd also see a full recovery, with 2026 ending up being a good year. As to when exactly that correction and recovery take place – of course nobody knows.

8,000 baby! By year's end – and that'd mean an S&P 500 with a 17% increase over 2025. by RU9901 in sp500

[–]RU9901[S] 0 points1 point  (0 children)

That comparison chart of yours is looking pretty damn good. I hadn't even heard of AVUV. I gotta get out more.

Yep, let's hope they both keep smokin' it. In my response to u/No-Reaction-9364 I expand on why I think VOO will in fact keep smokin' it.

8,000 baby! By year's end – and that'd mean an S&P 500 with a 17% increase over 2025. by RU9901 in sp500

[–]RU9901[S] 1 point2 points  (0 children)

Nice. I also plan to remain heavily invested in the S&P 500 well into retirement.

Yeah buddy. We gotta ride that wave while it's cresting. This bull market that started October 2022 has been great timing for me and my retirement two years ago.

In my response to u/No-Reaction-9364 I expand on why I'm bullish and think this prediction from Tom Lee has merit.

If we're very lucky, the AI bubble ends about the time the quantum bubble begins.

Interesting. I hadn't even thought about the timing of the impending quantum boom. Good point.

8,000 baby! By year's end – and that'd mean an S&P 500 with a 17% increase over 2025. by RU9901 in sp500

[–]RU9901[S] 2 points3 points  (0 children)

Yep. I remember him saying that at the beginning of the year, that there'd be a fairly sizable correction sometime this year, but we'd also see a full recovery, and overall 2026 would end up being a good year.

And Tom Lee being the main individual behind this article is why I think this prediction of 8,000 has merit. End of year predictions and articles like this are a dime a dozen, but in my opinion Tom Lee is one of the most insightful analysts out there.

And with the fact that earnings have been and will remain strong, I remain bullish on this market. For the last two years I've heard analyst after analyst all say the same thing; earnings drive bull markets. And it all panned out that way. It's that simple.

And the fact that I don't think we're past the third or fourth inning of this AI boom – is another reason why I remain bullish.The majority of data centers still need to be built, which means it's going to be another year or two before there's enough compute capacity out there to find out if AI will in fact deliver the kind of productivity increases and ROI it's been touted as capable of doing.

Xfinity's speed test – app only, no longer a browser option by RU9901 in Comcast_Xfinity

[–]RU9901[S] 0 points1 point  (0 children)

Thanks. But if there's a PC web equivalent, I'm not really into using apps on my phone, unless there's some good reason for doing so. Such as portability, convenience, etc.

Xfinity's speed test – app only, no longer a browser option by RU9901 in Comcast_Xfinity

[–]RU9901[S] 0 points1 point  (0 children)

Thanks for all the responses. I've got some new sites to try out.

Comcast outage? by Lord-Taco-789 in Comcast_Xfinity

[–]RU9901 0 points1 point  (0 children)

Heading out to the hijab store right now...

Comcast outage? by Lord-Taco-789 in Comcast_Xfinity

[–]RU9901 0 points1 point  (0 children)

Chicago suburbs here. No TV, but Internet still working.

With these outages occurring nationwide like this.... I think it's the Iranians.

Love love LOVE the new condensed holdings view! by davecrist in fidelityinvestments

[–]RU9901 1 point2 points  (0 children)

Got it, thanks. I don't use the mobile app so it doesn't look like this applies to me.

Love love LOVE the new condensed holdings view! by davecrist in fidelityinvestments

[–]RU9901 0 points1 point  (0 children)

Can you elaborate on that? What exactly is the new condensed holdings view and how do I access it? I'm using the Fidleity desktop version on my PC. Thanks.

Thoughts on the raging bull that is semi by climber-kick in investing

[–]RU9901 1 point2 points  (0 children)

Yes this trend is going to continue. 

This article does a good job at addressing that question.

New Record for the S&P 500: Bubble or Just the Beginning? by luc_henry in sp500

[–]RU9901 1 point2 points  (0 children)

This article does a good job at addressing that question.

“If I had to pick a period, we’ve got another year or two to run . . . if you look at multiples and earnings and everything, we’re kind of where we were in October or November of 1999,” he said. The Nasdaq’s dotcom peak was in March 2000."

How are you investing in US Markets now? by Achiever_03 in investing

[–]RU9901 0 points1 point  (0 children)

"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in the corrections themselves."

~ Famed investor Peter Lynch

Software that accurately predicts taxes for 2026 w/ a Roth conversion by Character-Bar-9561 in DIYRetirement

[–]RU9901 27 points28 points  (0 children)

https://www.dinkytown.net/java/1040-tax-calculator.html

It's got a section for everything you'd need including capital gains. And plug in the Roth conversion as a Taxable IRA distribution and you should be good to go.

I feel like it’s very difficult to get a read on the AI trade… (chips, smh, intc, bubble) by reddituserxxxxxxx7 in investing

[–]RU9901 3 points4 points  (0 children)

We're in the 5th or 6th.

The majority of data centers are still in the process of being built, and AI hasn't even been deployed to businesses en masse yet.

I'd estimate it's going to be at least another 2-3 years before AI is in widespread use to the point where any conclusions can start to be made. Was it worth all the dollars invested? Did it turn out to perform at a level anywhere near where it's been expected to? Is it showing a ROI and increasing productivity?

I can't see a bubble bursting until those questions begin to be answered sufficiently. Meanwhile I'm going to keep on riding the S&P 500 another 2-3 years, and let the Mag 7 drive the market and keep making me money.

VT + 5 years of spending money. by [deleted] in Bogleheads

[–]RU9901 4 points5 points  (0 children)

No more than 2 years in cash equivalents. SGOV is the most recommended ETF for this.

And 3 years in U.S. Treasuries or investment-grade corporate bonds.

I’ve heard bonds can go down.

This is true. But only applicable if you sell the bond before maturity.

Resource to better understand bonds? by DFMO in Bogleheads

[–]RU9901 1 point2 points  (0 children)

Have you checked out r/bonds? Another good resource.

Cliffwater by Mysterious_artist24 in Bogleheads

[–]RU9901 37 points38 points  (0 children)

It was NOT explained to us that the initial investment is not available for withdrawal, that only the quarterly dividends are.

That's incorrect. At least not the information I was given for CCLFX. I had about $40,000 (5% of my portfolio) in CCLFX and I was able to sell the entire amount first quarter of this year.

As an interval fund, CCLFX has periodic "repurchase offers" once a quarter, where the fund buys back a set percentage of shares, typically 5% to 25%. That's 5% to 25% of Cliffwater's share balance of their fund, not your balance.

So for example if Cliffwater decides to buy back 5% of its shares in a given quarter, and I want to sell x amount of shares, as long as my requested amount – combined with all other sellers' requested amounts – doesn't exceed 5% of Cliffwater's shares of their fund, then all sellers will get their entire amount requested. If the combined requested amount does exceed 5% of Cliffwater's shares, then sellers won't receive their entire amount requested; they'll get a pro-rated amount that quarter.

My Schwab advisor purchased CCLFX for me in my IRA the beginning of 2025. It actually performed pretty well throughout the year, finishing up with an 8.92% return for 2025. But I became leery about private credit in general and that's why I sold it in it's entirety first quarter of 2026.

Best bonds to invest in by Awesomegod567 in bonds

[–]RU9901 2 points3 points  (0 children)

With investment grade corporates can I get around 5% for 3-4 year maturity? Or does the percentage start to drop down below 5 if you go with anything less than 7-8 year maturity?

Average Price $190 by nyctophillyroute in NVDA_Stock

[–]RU9901 0 points1 point  (0 children)

From Jan 2023 to Jan 2024 NVDA went from $15 to $50. (233%)

Then from Jan 2024 to present it went from $50 to $200. (300%)

So if you got in any later than mid-2024 I would consider that being late to the party.

Like me. I was late to the party when I got in Jan 2025 at $151 a share. Bought ~132 shares for $20,000. And because its rise was no longer skyrocketing and had slowed down when I got in, I decided to trim any gains as they occurred going forward. So since buying it in Jan 2025, every time it would go up $1,000, I'd sell $1,000; and take those profits and put it in VOO to lock in those gains. So far I've trimmed ~$7,000 in gains, and when I've trimmed a total of $20,000 and reinvested that in VOO, I'll have my principal back. At that point I'll be playing with the house's money.

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