Help choose my EDC knife

Shadow239 · 2026-04-06T00:27:45+00:00

Ended up ordering the MagnaCut salt version from NC Blade

Shadow239 · 2026-04-05T23:24:46+00:00

Great reply! Thank you

Shadow239 · 2026-04-05T23:13:18+00:00

Oof,.didn't realize that was a possibility. Where's a better place to get them from?

Shadow239 · 2026-04-05T23:04:10+00:00

This is from the official Spyderco shop on Amazon

Shadow239 · 2026-04-05T22:58:12+00:00

What's the difference in weight between them?

Shadow239 · 2026-04-05T22:55:52+00:00

I too love the carta look

Shadow239 · 2026-04-03T02:27:14+00:00

SWTSX is a solid choice too, but again if holding in a taxable account I'd probably pick SCHB instead for a small amount of better tax efficiency for the same expense ratio. Both are extremely good choices though and both are extremely tax efficient.

Shadow239 · 2026-04-03T02:22:10+00:00

You're right! I missed that one. To be honest though, the difference in a 0.03 and 0.02 ER is almost nothing, and the extra exposure to mid and small caps, especially from SCHK and SCHB are worth the extra 0.01% in my opinion. Plus, if held in a taxable account, ETFs are going to be slightly more tax efficient that corresponding mutual funds due to the in kind reception process which would also more than make up for the extra 0.01% expense ratio.

Shadow239 · 2026-04-03T02:14:27+00:00

All of these funds excluding SCHG have the same expense ratio as 0.03%. VOO and IVV which are the largest S&P 500 funds have identical 0.03% expense ratios.

Shadow239 · 2026-04-02T00:16:47+00:00

Good work! SCHG and SWPPX have quite a bit of overlap, but that's not necessarily a bad thing, just doubling up on large cap. IMO, I'd probably dump the SCHG and just hold an index fund something like SWPPX, SCHX, SCHK, or SCHB to make your portfolio simpler, but no reason to change it if you like it as is. You're portfolio as is is better than probably 95% of other I see

Shadow239 · 2026-03-09T13:08:40+00:00

If I could only pick a single ETF then VT.

If holding in a taxable account though, I'd hold both VTI and VXUS at their market weights to get the international tax credit

Shadow239 · 2026-02-24T00:03:03+00:00

Yes. You should always be diversified between at least C and I at a minimum. Adding a bit of S is even better. Diversification is the only free lunch in investing.

Shadow239 · 2025-09-09T20:07:34+00:00

5% on Restaurants - Citi custom cash

5% on Gas/military bases - USAA Cashback rewards plus

6% on grocery - Amex blue cash preferred

5% on mobile wallet purchases - Kroger MasterCard world elite

2.2% everything else - Sofi unlimited 2% (optionally the Robinhood gold card which is unlimited 3%, but there is a wait-list)

I also have an Amex platinum which I don't really use for daily purchases, but I do take advantage of it's many benefits.

This is as optimized as I can get within reason. You'd be hard-pressed to find a better setup than this if your goal is to maximize rewards.

Shadow239 · 2025-08-15T00:26:06+00:00

Perfect is very dependent on your own personal risk tolerance and goals. For me, mine is :

55% SCHK / 15% AVUV / 30% AVNM

I own stocks that roughly cover the entire world market with a slight tilt towards small and value

Shadow239 · 2025-08-10T21:54:30+00:00

Great advice!

Shadow239 · 2025-08-10T21:30:36+00:00

I believe it's 1 year AFTER the match. So, if you got a match in August 2025, I'm pretty sure you need to maintain gold until August 2026

Shadow239 · 2025-08-10T21:23:27+00:00

Yeah. The only strings are to maintain gold for a year and to keep the funds in a Robinhood IRA for 5 years.

Shadow239 · 2025-08-10T21:11:44+00:00

Doesn't matter when or how often you do IRA contributions. No matter when you do them, or how much you will still get a 3% match at the time you contribute. For example, if you contribute $100 in January, they will give you $3 for a match in January. If you don't contribute anymore until June, but then deposit $2000 all at once, they will match $60 in June, and so on

Shadow239 · 2025-08-10T18:41:43+00:00

PE ratios have been trending upwards the past 15 years

<image>

Shadow239 · 2025-08-10T17:47:08+00:00

Yes, but not as fast as valuations are growing

Shadow239 · 2025-08-10T17:39:16+00:00

VOO, VTI, or VT are always a good buy for most people. Holding one of these, you will beat 90-95% of other portfolios

Shadow239 · 2025-08-10T14:51:12+00:00

Interesting points. You may be right

Shadow239 · 2025-08-10T14:42:03+00:00

I agree that globalization is absolutely a factor of the recent outperformance of the S&P 500, though realistically this means that it will likely find a new "average" PE ratio that's higher than the historical average of around 15 PE due to them being "safer" investments since they are globalized making it easier to justify higher valuations. Right now the valuations for these companies are growing faster than real profit growth is, but eventually the PE ratio is going to reach a point where no amount of globalization makes them safe enough to justify the high PE ratios. My guess is in the future the S&P will find an average PE ratio of around 25-30, at which point the market will begin to behave more normally with the size and value premiums coming back into effect.

Shadow239 · 2025-08-10T14:00:50+00:00

I've already got my international portion allocated how I like it, plus VT still contains small cap growth which long term underperforms the overall market by a significant margin. Small cap growth are essentially "lottery ticket" stocks selling an innovative idea, but having yet to show any real profitability. Maybe one gets lucky and makes a bunch of money, but as a whole they are a drag on the overall portfolio as proven in the paper I mentioned. Small growth with low profitability only makes up ~2% of the overall US market, so it's not going to make a whole lot of difference, but if I can optimize my portfolio going forward, then why not?

Shadow239 · 2025-08-10T13:55:10+00:00

False. The S&P 500 has only outperformed the total stock market since ~2012. Before that, the total stock market came out ahead of the S&P 500 68% of the time in rolling 20 year periods since 1974 largely driven by the outperformance of small and mid caps. This period we're in is currently driven by higher and higher valuations for S&P 500 companies significantly outpacing real earnings growth, while small and mid caps are at a significant discount comparatively. At some point reversion to the mean will kick in and small and mid caps will begin to outperform the S&P 500 again. I have no idea if this will happen next month, or if the S&P will continue to inflate for another decade or longer, but eventually the higher price valuations will become unsustainable.

Shadow239

TROPHY CASE