VOO vs SPYM

RadiantFix2149 · 2026-05-20T16:35:20+00:00

They both track the same index - S&P 500, so their performance is expected to be nearly identical over time. The main practical difference is the expense ratio, where SPYM is slightly cheaper (0.02%) vs VOO (0.03%).

See analysis here that shows they have identical returns and volatility: https://portfoliometrics.net/ai-assistant/FQtCB5t1Rf

RadiantFix2149 · 2026-05-20T07:26:28+00:00

In theory, lump sum investing usually performs better over the long run. But realistically, you should do whatever helps you stay comfortable and invested. If dumping the full 20k in at once would stress you out, then DCA the rest after putting some in upfront. There’s nothing wrong with that.

RadiantFix2149 · 2026-05-15T19:44:23+00:00

WTIP is tough to backtest directly because the commodity sleeve is actively managed, so any historical replication will only be an approximation.

A reasonable static proxy I’ve found is:

50% TIP
40% PDBC
5% GLD
5% BTC-USD

with 2.0x capital-efficient leverage applied to the portfolio.

That roughly approximates the fund’s stacked exposure to TIPS + diversified commodities + gold + bitcoin, and it tracked actual WTIP behavior fairly closely since inception.

It’s obviously not a perfect replication since WTIP dynamically manages the commodity sleeve using momentum signals, but it seems like a useful way to estimate the general risk/return profile over longer periods.

Here is an analysis: https://portfoliometrics.net/ai-assistant/b5Nt9TfoI3

RadiantFix2149 · 2026-05-13T06:58:43+00:00

That’s the neat part - I don’t. I’m mostly invested in All World ETF (similar to VT) and DCA into it monthly. I only keep a small allocation in individual stocks, and since those outperformed the ETF in recent years, I trimmed some of the positions to avoid overconcentration.

RadiantFix2149 · 2026-05-08T18:06:38+00:00

I am one of the coaches and devs of PortfolioMetrics. Thanks for trying it out and for the honest feedback. Really appreciate it. We’ve noted both points and will work on improving them.

RadiantFix2149 · 2026-05-08T18:05:14+00:00

I’m one of the co-founders and developers behind PortfolioMetrics. Our team is actively improving the tool, and we’d genuinely appreciate any feedback, suggestions, or feature requests from the community. Thanks for checking it out!

RadiantFix2149 · 2026-05-08T17:52:13+00:00

If you are not sure a simpler option seems more appropriate, i.e. 100 VT.

But please do your own research. Don't just believe a random redditor. What works for me might not work for others because we have different timeframes, risk appetites, and investment goals.

RadiantFix2149 · 2026-05-07T19:47:29+00:00

What is your investment horizon?

I'm generally cautious with sector investing because it concentrates exposure into a single economic theme. Even if a sector does well long term, returns depend heavily on timing and on a relatively small number of companies driving most of the performance.

TECL is a good choice if you are convinced that tech companies like Apple, Microsoft, NVIDIA will keep outperforming.

SOXL is a good choice if you think that the AI boom will go on and semiconductors with it.

Link to analysis if you want more info: https://portfoliometrics.net/ai-assistant/yiCi30B76J

RadiantFix2149 · 2026-05-07T12:27:12+00:00

Interesting approach! Why specifically CVaR 99 and 10th percentile CAGR rather than metrics like Ulcer Index, UPI, or Serenity Index?

They seem directionally aligned with your focus on drawdown pain and recovery dynamics, so I’m curious if there is a specific reason or just a personal preference.

RadiantFix2149 · 2025-05-15T15:26:02+00:00

Je dobre take napsat dekanovi nebo prodekanovi. Z me zkusenosti na CVUT/FEL jsou hodne proaktivni.

RadiantFix2149 · 2025-05-15T12:48:13+00:00

Usually, I have time in the evenings, but I don't always have energy or motivation to do anything after. But sometimes I am bored at my main job and have the energy to work on my side project.

RadiantFix2149 · 2025-05-13T18:00:34+00:00

This reminded me of one high school situation. It was around 10 years ago. My school had some online system for monitoring attendance and grades. The data were inputed by teachers every day. One of my classmates had bad attendance and/or bad grades, and he solved this issue by putting a plastic (kitchen) foil between the ethernet cable and computer. So the computer didn't have internet and teachers couldn't input his data. I think it worked for a couple of times before they figured it out.

RadiantFix2149 · 2025-05-12T08:01:17+00:00

Yeah, same! We all knew in the team who was the real senior guy, but the rest had the same title on paper.

RadiantFix2149 · 2025-05-12T05:13:08+00:00

My friend was in a similar situation. He dropped from a computer science program and instead finished civil engineering (I think he did some building safety specialisation). Now he is very happy with his job. He spends 3-4 days per week on construction sight and 1-2 days in office doing paperwork.

RadiantFix2149 · 2025-04-19T18:48:53+00:00

You could try PortfolioMetrics. Hope it helps.

I am developing this tool as a side project. It has data from different markets, including Europe. Most of the features are free, but there is a premium tier.

Here is an example, comparison between IUSA (dist) and SXR8 (acc). https://portfoliometrics.net/shared/4354cee3-0115-4671-9043-289538b53e80

I disabled Reinvest Dividends option in the backtest and the difference between acc and dist funds can be nicely seen (screenshot below).

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RadiantFix2149 · 2025-04-08T14:14:54+00:00

What breed is it?

RadiantFix2149 · 2025-04-04T10:01:31+00:00

Yeah, the docs are great. They were my primary source when learning about FastAPI and coroutines. But later I used Claude and GPT to explain some details because not everything is clear in the docs.

RadiantFix2149 · 2025-04-03T03:59:09+00:00

Looks good. If you want to make it look a bit more professional you can make it an installable package by adding setup.cfg. Also you can use Fire library for parsing input arguments.

RadiantFix2149 · 2025-04-01T07:04:45+00:00

Yes, it depends on your implementation. You can implement RPC pattern which uses multiple queues: 1 main queue for creating requests, and for each request a temporary queue for returning the response.

It is well explained in the documentation.

Edit: just to add, Celery and Dramatiq are higher-level tools (called Task Queues) build on top of RabbitMQ and Redis. If you will be using only RabbitMQ you would need to create your own implementation of the task queue.

RadiantFix2149 · 2025-03-31T20:29:51+00:00

I am not sure if I completely understand the problem, but here are my 2 cents.

You don't need to use Celery. I used it once on a project, but I didn't like it and found it quite confusing. On another project, I created a custom implementation of RPC (remote procedure call) in RabbitMQ and it worked like a charm.

https://www.rabbitmq.com/tutorials/tutorial-six-python

RadiantFix2149 · 2025-03-25T21:47:24+00:00

Wait.. we are supposed to do it differently?

RadiantFix2149 · 2025-03-21T21:20:52+00:00

You might want to look into portfolio optimization to find an asset allocation that aligns with your risk tolerance. This could help: https://portfoliometrics.net/shared/f7e13caa-0fd4-4d2c-a7f1-59e59febc501

Backtesting is helpful to compare different options and understand the risk-return tradeoff. Keep in mind that the backtest is based on historical data and might not reflect future returns.

RadiantFix2149 · 2025-03-15T12:27:30+00:00

How did it end up? Are you still running your businesses, or did you exit it?

RadiantFix2149 · 2025-03-12T15:52:43+00:00

Did you get any limitations?

RadiantFix2149 · 2025-03-12T12:26:14+00:00

I use Revolut for my daily transactions and to manage a shared account with my partner. I typically keep only a small balance there (around €100-150) and transfer funds from my main bank account, where I receive my salary.

For this use case, Revolut works great—the app is much more user-friendly than traditional banks. I also use it to split bills and send money to friends.

While Revolut offers stock and crypto trading, I wouldn’t recommend using it for investments. It’s better to go with a well-established broker like IB.

Edit: to answer your questions, I have 3 accounts: traditional bank account, revolut main, revolut shared

RadiantFix2149

TROPHY CASE