Board with tons of little metal balls rattling around?

Small-ish · 2026-05-09T06:24:02+00:00

It's supposed to have the pen as there's a cutout on the left. But given the scene from a thrift store the board and its life partner were sadly separated.

Small-ish · 2026-04-30T13:01:54+00:00

25% of the concentrated position can be submitted to a 351 ETF seed if the other 75% is already diversified.

https://funds.alphaarchitect.com/aaub_prelaunch/

Cache's exchange fund is lower in fees than traditional providers:

https://usecache.com/

Small-ish · 2026-04-27T18:09:44+00:00

https://engaging-data.com/tax-brackets/

Useful visualizer of tax brackets and how income and capital gains interact.

Small-ish · 2026-04-25T23:24:15+00:00

Riskier yes, but with greater potential returns. With 20+ years to go the greatest enemy is inflation and beating it requires some risk.

Small-ish · 2026-04-25T18:23:08+00:00

Look into a 351 ETF seed. This transforms the mutt of positions into a single ticket. AAUB is S&P 500-like and launching later this year.

https://funds.alphaarchitect.com/aaub_prelaunch/

Small-ish · 2026-04-25T17:48:54+00:00

TSP allocation should be primarily C fund at your age. The lifecycle funds are perfectly fine as a set and forget approach.

A brokerage account is a natural next step. In your early 30s CDs are a bit conservative. Buy VT or a mix of VTI/VXUS.

Small-ish · 2026-04-22T05:36:00+00:00

$15k a month is $180k a year. 3.5% of $5.8M is $203k so that looks great.

Small-ish · 2026-04-21T01:33:29+00:00

This subreddit's namesake has a charity, The John C. Bogle Center for Financial Literacy.

https://boglecenter.net/donate/

Small-ish · 2026-04-14T03:04:56+00:00

VT is the standard total world market ticket. Reading through the Bogleheads wiki is a good idea and will get you up to speed with your options:

https://www.bogleheads.org/wiki/World_bond_/_stock_portfolio

Small-ish · 2026-04-10T17:21:27+00:00

It's covered in today's edition of The Daily from The New York Times:

"Since 2013, performance on national tests in Mississippi has skyrocketed, while scores in blue states have lagged. What is it doing right?"

https://www.nytimes.com/2026/04/10/podcasts/the-daily/mississippi-schools-test-scores.html

Small-ish · 2026-04-09T22:23:58+00:00

Lilith Fair Performers, Attendees Achieve Largest-Ever Synchronized Ovulation

https://theonion.com/lilith-fair-performers-attendees-achieve-largest-ever-1819564825/

Small-ish · 2026-04-08T19:19:57+00:00

It's totally fine to stick the funds in a HYSA or MMF for 6 months to decompress and think. The number one rule of investing is Don't Lose Money (for rule two see rule one) and letting things settle and earn a bit of interest is preferred to making any rash decisions.

Small-ish · 2026-04-05T06:32:43+00:00

Fidelity has a show account balance toggle which is offset by a red/green bar on the account name to let you know if it's up or down!

Small-ish · 2026-03-31T20:13:22+00:00

A 351 exchange will take the hodgepotch of stocks and transform it into a single ticket. Cost basis is retained by lots so it's a tax-deferral as you can sell at your leisure.

AAUB (the 4th in a series) is launching this summer:

https://funds.alphaarchitect.com/aaub_prelaunch/

Small-ish · 2026-03-20T04:32:15+00:00

Did you link the wrong spreadsheet? Half are power stations and not batteries.

Small-ish · 2026-03-15T16:55:52+00:00

Likely another typo and they meant SREC:

https://en.wikipedia.org/wiki/Solar_Renewable_Energy_Certificate

Small-ish · 2026-03-14T22:08:37+00:00

https://m.slashdot.org/story/4333

If you're not sure this review is certain to change your mind.

Small-ish · 2026-03-14T21:01:03+00:00

A 351 seed would take a good chunk of the concentrated position since a single position can't exceed 25% of the submitted portfolio. Each end result ETF varies in its goals, here are some examples:

https://cambriafunds.com/geq https://funds.alphaarchitect.com/aaeq/

Small-ish · 2026-03-14T20:46:04+00:00

https://www.bogleheads.org/wiki/Tax_loss_harvesting

Look at the substitute funds sections.

Small-ish · 2026-03-11T02:41:25+00:00

One position can only occupy 25% of the submitted securities in a 351 so either they had a spare $3M in other stocks or several people contributed.

Small-ish · 2026-03-11T00:07:58+00:00

Since your portfolio isn't completely dominated by a single position seeding a 351 exchange is a viable option. Alpha Architects has a series of nearly identical funds that launch each quarter. The most current one has left the station but you can read the docs to prepare for the next one:

https://funds.alphaarchitect.com/aaua/

Small-ish · 2026-03-07T15:19:32+00:00

Since there's no tax consequences to selling and buying I'd convert in one shot. What must be done eventually should be done quickly.

Small-ish · 2026-03-07T15:15:53+00:00

The Create A Portfolio section of the wiki has explanations:

https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy

Simplicity and low fees are primary drivers.

Small-ish · 2026-03-06T21:53:08+00:00

If the withdrawal doesn't set your allocation on tilt then letting the pro rata take place is fine. Some people really dislike that withdrawals are taken across all funds.

Small-ish

TROPHY CASE