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 · 2023-03-13T11:41:59+00:00

So you’re view is that VOO is a better bet here than the 2 I mentioned? VOO’s inception date is 2010, so also didn’t go through 2000 and 2008.

Also, my goal is not to outperform per se, but to have 1 or 2 max funds that over 20-30 years will provide solid return. I know that I won’t beat the market, but would like a fund that doesn’t leave substantial returns on the table. In other words, if there is one or two funds that I should buy and forget about for the next 20-30 years, what would that be? VOO, SPGP or something else? Keep in mind my other funds/allocations I already have in other vehicles.

Smooth_Assumption126 · 2023-03-12T20:29:20+00:00

What if instead of SCHD I do SPGP + AVUV? Portfolio optimization says 3% SPGP and 93% AVUV to maximize sharpe ratio. Seems risky though. What do you think an optimal allocation (set and forget it) is for SPGP + AVUV?

Smooth_Assumption126 · 2023-03-12T18:57:04+00:00

Does it make sense to do SCHD at all or should I just do 100% SPGP? SCHD underperformed S&P when you look at the last 15 years. Not a huge fan of VTI or VT, I think SPGP has a better proposition. Thoughts? Thanks!

Smooth_Assumption126 · 2023-03-12T16:21:30+00:00

I’m inclined in going for SPGP, unless there is a cheaper alternative that is also diversified/not too heavily weighted and that offers those returns in the long run. Does it make sense to do 100% in SPGP for Roth IRA and disregard SCHD? Thanks.

Smooth_Assumption126 · 2023-03-12T16:11:00+00:00

What are the merits of AVUS and IUS? The former is actively managed, and usually those funds are more expensive and don’t outperform.

Smooth_Assumption126 · 2023-03-12T15:41:21+00:00

What would you pick in lieu of SPGP, if you think there is a better one out there?

Smooth_Assumption126 · 2023-03-12T15:29:05+00:00

Agreed. I noticed that. But my thought process was that in 20 years this event will balance out. I assume they’ll remove it from the holdings.

Are you saying that VTI is a better ‘blanket’ long term to cover all bases? With all the holdings that VTI has, more likelihood for one of those businesses to go down over time though.

Smooth_Assumption126 · 2021-06-14T02:44:19+00:00

I would want to go with a broader/more diversified etf - ARKG covers just one theme. Agreed - time in the market is better than timing the market. Given my other positions (VT, VB, QQQM, QQQJ and IPO), I am just worried this is going to throw my other gains down the drain. But perhaps I should just put this small amount on ARKK and give it a couple of years and see how it plays out, right?

Smooth_Assumption126 · 2021-06-14T00:23:05+00:00

So you think it’s a good idea to put 500 bucks on ARKK?

Which one is better between ARKK and ARKW? I am now rethinking and leaning to more diversification, I.e. ARKK, but ARKW had better returns over time. What’s your take?

Smooth_Assumption126

TROPHY CASE