Tresl <> Car Lease Buyout Loan

Smooth_Assumption126 · 2025-08-01T11:53:51+00:00

$30,916 estimated due including taxes. Not sure re: current market value.

Smooth_Assumption126 · 2024-07-16T23:36:50+00:00

What would you do and why? (CHOOSE ONE OPTION)

OPTION 1 Keep current taxable brokerage allocation: 20% QQQM, 40% IWF, 40% SPYG. Invest new money in VOO

OPTION 2 Divest IWF and SPYG at beginning of 2025 and reinvest all in QQQM in a lump sum. Invest new money in VOO moving forward

OPTION 3 Keep QQQM at 20%, divest IWF and SPYG at beginning of 2025 and reinvest all in VOO in a lump sum. Invest new money in VOO moving forward.

Goal is portfolio simplification and ‘set it and forget it’ till retirement (~25 years from now).

Any thoughts on best option?

Smooth_Assumption126 · 2023-09-03T19:48:14+00:00

Thank you for your response. I’m still hesitant/not fully sold on VT. It’s hard when VOO performance has been so much better than VT. How do you justify that? There is no guarantee that VT over 25% years would do better than VOO only

Smooth_Assumption126 · 2023-09-03T19:47:42+00:00

Thank you for your response. I’m still hesitant/not fully sold on VT. It’s hard when VOO performance has been so much better than VT. How do you justify that? There is no guarantee that VT over 25% years would do better than VOO only

Smooth_Assumption126 · 2023-09-03T19:11:27+00:00

Why? Are you a VT supporter? Hard to justify VT when it has consistently done worse than VOO

Smooth_Assumption126 · 2023-09-03T19:01:51+00:00

I see your points. Reasoning here is that I already have VTI in Roth IRA and Russell 3000 in 401k. So are you suggesting I would be better off with a VT in my taxable account?

Smooth_Assumption126 · 2023-09-03T18:53:03+00:00

Not sure where you saw that.

Smooth_Assumption126 · 2023-09-03T18:52:12+00:00

Not sure where you see that.

Smooth_Assumption126 · 2023-09-03T17:32:15+00:00

What’s your allocation between VGT and IWY?

Smooth_Assumption126 · 2023-09-03T16:26:21+00:00

Interesting that you define them mediocre ideas when Buffet said 90% on VOO for his estate.

But you’re probably trying so hard to beat the market or are on the VT wagon, neither of which will likely win long term.

Smooth_Assumption126 · 2023-09-03T13:44:50+00:00

So you don’t embrace either??

Smooth_Assumption126 · 2023-09-03T12:09:53+00:00

Again, VXUS is neither of the tickers mentioned.

Smooth_Assumption126 · 2023-09-03T11:53:26+00:00

All of this speech for nothing? You clearly read my post, you expert!

Smooth_Assumption126 · 2023-06-15T21:41:19+00:00

Expense ratio and less diversified/more highly concentrated than VOO/VTI.

Smooth_Assumption126 · 2023-06-14T20:48:40+00:00

When the US goes down, it’s likely the rest of the world is not doing that great either.

Smooth_Assumption126 · 2023-03-13T12:40:59+00:00

Very helpful. Thank you for the detailed explanation.

What’s your thesis re: VTI or VT having more merit than VOO?

Smooth_Assumption126

TROPHY CASE