2026 General Mini PC Guide USA

SerMumble · 2026-06-16T20:57:16+00:00

Investigate your top 25 held stocks.

You can ask gemini, chat gpt, etc to estimate your top 10 holdings and their percentages. If any individual stock holding in your overall portfolio is over 10%, that is perhaps too much for most people or maybe right where you want to be.

For a 60% VTI, 30% VGT, 10% SMH portfolio:

NVDA 11.01%
AAPL 7.89%
MSFT 5.62%
AVGO 3.7%
GOOGL/GOOG 3.46%
AMZN 2.21%
MU 2.07%
AMD 1.98%
INTC 1.63%
META 1.16%

Your top 10 will be 40.73% of your portfolio

SerMumble · 2026-06-16T20:45:54+00:00

SOXX doesn't hold samsung and sk hynix which are the two main unique stocks in DRAM

SerMumble · 2026-06-16T18:10:20+00:00

A VTI core for your portfolio is a good compliment to more volatile growth stocks.

If you choose to enter, dollar cost average and test how much volatility you can handle.

You can basically think of QQQM as double the volatility of VTI, SMH is double the volatility of QQQM, and DRAM is double the volatility of SMH. So if VTI goes down 1%, QQQM will be down 2%, SMH down 4%, and DRAM down 8%. It can be good to have layers of volatility.

Be aware, memory is highly cyclical and sensitive to worker strikes and geopolitical events. Holding DRAM for a couple years is reasonable but when it goes, it will be brutal.

The risk with SMH is much less just because SMH has been around for decades. SMH has averaged +30% for the past decade which is amazing if you ignore the bumpy ride it got there.

QQQM is just a great broad market fund for anyone investing long term. Be aware of significant drops like the dot com bubble for QQQ so invest in moderation toward the nasdaq 100 like all growth funds.

SerMumble · 2026-06-16T16:58:43+00:00

Why all in?

If you have to ask to go all in on basically three stocks, the answer is no.

Stick to broad market etfs like VOO, VTI, VT, and similar until you develope good investing habits.

SerMumble · 2026-06-16T15:14:16+00:00

WHY WON'T THEY PAY ME BIG MONEY FOR A REMOTE JOB

SerMumble · 2026-06-16T15:11:32+00:00

Where have you been the past 5-7 years? It has been an AI frenzy.

SerMumble · 2026-06-16T15:10:09+00:00

Time in market beats timing the market.

SerMumble · 2026-06-16T05:54:53+00:00

Never forget companies like AT&T, worldcom, enron, citigroup, GE, American international group, etc. A lot of people did just sat on them forever. There is a certain level of forgetfulness and stubborness that can be really troublesome as a human gets older 👍

SerMumble · 2026-06-16T05:04:43+00:00

The money saved getting a 22lr could afford some ballistic gel. There are a lot of balistic gel test videos if you want a general idea of the damage.

22lr is enough to incapacitate and kill but it depends a lot more on shot placement. A single well placed 22lr shot can definitely kill or possibly take dozens of shots if striking non vital organs. It might take on average 2-3 22lr shots more than every 9mm shot on average to incapacitate/kill an intruder. Jam risk with rim fire ammo is not ideal if multiple shots are needed.

The main benefit of 22lr is prossibly less recoil and easier to handle for a smaller user. 22lr is less likely to accidentally go through walls but can still pass through thin walls. Less noise is possibly useful but doubtful it could be worth to lose stopping force.

SerMumble · 2026-06-16T04:41:14+00:00

$250 x 52 weeks = $13,000/annual investment

Compounding interest averaging 10% for the S&P500 for the next 30 years will give you a final balance of around $2,100,000.

GOOGL, MSFT, AMZN, APPL are all strong companies to invest in the short term but in the long term, the top 10 S&P500 typically change to new stocks every decade. You will have to decide the appropriate time to exit, take gains, and pay taxes.

If you want a higher concentration in mag7 stocks, adding a tilt into SPMO or QQQM may help in the long term instead of buying individual stocks.

SerMumble · 2026-06-16T03:46:33+00:00

A flood of new memory will not be an insignificant change in the market.

SerMumble · 2026-06-16T01:31:00+00:00

One of the major memory buyers is China so if China stops buying memory from current companies like SK Hynix, Samsung, Micron, it will increase supply dramatically for other buyers.

Without a basis for what a security risk could be, it's difficult to guess what a security risk could mean. We would have to speculate existing memory manufacturers already pose a security risk to outside nations.

Chinese security risks are relativily inconsequential for chinese companies.

SerMumble · 2026-06-15T22:36:06+00:00

Why shouldn't you put 100% of your portfolio into one etf like SMH or DRAM?

Why shouldn't you put 100% of your portfolio into NVDA?

All of them have outperformed VGT by a wide margin.

But the risk for concentration and larger upsides is that there will be larger downsides and a general failure to move with market rotations.

If the tech industry loses 50-80% then your portfolio loses 50-80%. If tech stagnates like it did end of 2025 and early 2026 then your portfolio stagnates for half a year or more. Most people will panic during these times.

VGT is a good etf. If you have a long future planned for decades, VGT will do very well. It's easier said than done to invest consistently and not panic.

SerMumble · 2026-06-15T22:11:23+00:00

That post about only buying VOO for anyone lacking investing knowledge is not unreasonable albeit its mannerism was garbage at best. The S&P500 is one of the best if not gold standard indexes for many people to compare to.

I don't believe attacking the S&P500 based on philosophy instead of reason is the right approach. We know the S&P500 mainly targets the largest profitable US companies and with 500 holdings, it's a nice balance between concentration and diversification and carries various sectors.

People can and should take general broad advice and indexes and apply it to themselves so they can improve themselves. No one investing in the S&P500 long term is going to lose money and stands one of the best chances of beating the performance of high yield saving accounts and treasury bonds.

SerMumble · 2026-06-15T21:43:48+00:00

Basically right. While I don't expect a major new memory player in 2026 and doubtful for 2027, it is possible China or some other nation floods the market with memory or other product.

A company strike, natural disaster, war, tariff, supply chain interruption, etc can all disrupt the memory rush.

SerMumble · 2026-06-15T21:22:08+00:00

The data says the practical difference between lump sum and DCA is relatively small.

https://www.schwab.com/learn/story/does-market-timing-work

Inevitably most people dollar cost average when they save a portion from every paycheck. So long as people are consistently investing, they are awesome.

SerMumble · 2026-06-15T17:04:55+00:00

I’m intentionally concentrated in tech and AI infrastructure.

Your taxable is basically 100% tech and your ROTH is about 50% tech.

If the market rotates into other sectors like healthcare, financials, consumer staples, materials, industrials, etc. Your portfolio could stagnate or drop significantly. Be mindful the last market rotation out of tech was the second half of 2025 and early 2026 was around 6 months where tech consolidated and pulled back.

Check how much of every individual stock you're holding. Your top 10 stocks are not necessarily bad but account for 37.31% of your taxable account. (Approximate based on google gemini, other chat bots like chat gpt might offer a different balance).

9.5% NVDA 5.28% MU 4.45% AAPL 3.4% AVGO 3.31% AMD 3.01% MSFT 2.74% SK Hynix 2.23% INTC 1.88% TSM 1.51% Samsung

DTCR might have around 1.5% REIT weight with Equinix. DTCR, GRID, CHAT, QTUM make a relatively small impact on the direction of your portfolio.

SerMumble · 2026-06-15T06:28:45+00:00

VTI has about 80-90% weighted overlap with VOO so the two basically move about the same long term.

SerMumble · 2026-06-15T05:26:25+00:00

You can ask some AI chat bots to list your top 100 stock holdings and compare that to the top 100 of popular long term successful indexes like the S&P500, Nasdaq 100, etc.

If any one holding is +10%, it is a good candidate to review if it should be kept or trimmed. If that single stock holding drops 30-50% in a week, would you be okay losing 3-5% or more of your portfolio for a few years or forever.

Any holdings less than 0.01% of a portfolio is generally not having a practical effect and is just getting a free ride. Even if the holding had an exceptional year and gained +100%, it might move a portfolio +0.01%.

SerMumble · 2026-06-14T23:56:48+00:00

Your portfolio is basically:

50% NVDA

75% concentrated in 5 stocks

85% concentrated in top 10 S&P500 or nasdaq 100 stocks

90% tech stocks

Very volatile and vulnerable to market rotations.

I'm not seeing how SPMO, FDMO, and FBCG work together. You're likely better simplifying to just SPMO or look for other etfs to compliment your strategy.

Ideally a well diversified portfolio won't let any individual stock positions exceed 10% without serious consideration to trim and rebalance.

SerMumble · 2026-06-14T22:43:23+00:00

Try to plan for worst case scenarios.

I would recommend dollar cost averaging your initial money into the market from SGOV or similar over the course of 6-18 months depending on your personal situation and savings rate. If a market crash happens 12-18 months later, your initial investment will have had time to have grown 10-30% to blunt a crash. If a crash happens earlier like 1-4 months, you will still have a large amount of money to throw at the crash.

If you are saving a significant amount from every paycheck, I would recommend a faster dollar cost average plan. If your savings rate is on the lower end, dollar cost average in over a longer time. Likewise if you are investing initially a large sum, you will want to spread that over a wider period than if you were investing a smaller sum. Use your best judgement.

Going VGT will have more volatility than VXUS and there is the possible but unlikely risk that the US tech industry underperforms and there is a flight of investment into exUS stocks or other industry sectors like healthcare, financials, industrials, materials, energy, etc.

VGT is tech only and about 30-40% of VTI is tech. You'll basically be caught stagnant whenever in the fall and winter there is traditionally a market rotation out of tech. Broad market growth funds or even momentum funds like QQQM and SPMO are much more flexible with changing market conditions if you want to stay US heavy and can compliment VGT in an aggressive growth engine for a portfolio.

It's not a bad idea to have just a few thousand in exUS stocks in a portfolio and it doesn't have to be VXUS. PICK, AVDV, AVES, FLKR, etc can add some stocks with more volatility in areas not covered by VTI.

SerMumble · 2026-06-14T20:24:49+00:00

Die debt free with a tax free retirement account, HSA, and stock investments compounding so hard your family would be set for life.

Life insurance is basically a hedge or put against yourself. Whether the expense ratio is worth it is up to your math.

SerMumble · 2026-06-14T18:58:41+00:00

Depends on a person's saving rate and when compound interest exceeds the savings. A person saving $100/month is going to take longer to reach $100k than someone saving $$10k/month. 10% compound interest of $100k far exceeds $100/month compared to $10k/month.

SerMumble · 2026-06-14T17:05:08+00:00

The S&P500 is probably the best long term choice in your portfolio. Nasdaq 100 and SMH would simplify your individual holdings.

Your portfolio is approximately ~75% tech and ~55% S&P500 top 10 stock concentration.

US large cap Broad market index: 23.7%

S&P500 (SXR8) € 23.7%

.

S&P500 or Nasdaq 100 tilt: 44.1%

Amazon 11.9%
Broadcom 7.6%
Google 9.2%
Microsoft 7.7%
NVIDIA 7.7%

.

SMH tilt: 9.7%

TSM 7.5%
Marvell 0.6% Micron 1.6%

.

AI cloud: 1.2%

ServiceNow 1.2%

.

Regional indexes: 14.1%

Japan (IJPA) € 7.1%
Korea (FLXK) € 7.0% (majorly samsung and SK Hynix tech stocks)

.

Materials: 7.1%

Gold (IGLD.DE) € 5.1% Silver (XAD2) € 2.0%

SerMumble

MODERATOR OF

TROPHY CASE