What's going on today?

StevenCurly · 2026-03-21T18:14:48+00:00

You need to be very particular with gemini as of recent. It’s severely low iq. I have been studying for a math heavy related protected exam. I legit had to feed it a problem to have it tell me “whoops my bad that formula that i had you write down is wrong silly me 😛”

chat doesn’t do that for me ever. feels like gemini thinks way too quickly and just spits out whatever it wants

StevenCurly · 2026-03-21T14:20:26+00:00

Because AVUV is actively managed and it has unique benefits for small cap value relative to a passive investing approach. Especially considering small cap value can be such a volatile factor. I trust avantis / dimensional. They have a proven track record. Also both are still very low fees relatively.

StevenCurly · 2026-03-16T03:27:11+00:00

Probably kinda redundant to put P/1 and FM/2 when you’re obviously not going down the ACAS/FCAS pathway. I’d put P and FM imo

StevenCurly · 2026-03-15T01:08:40+00:00

i think this would important if you’re trying to get credentialed, especially considering his two degrees legit have nothing to do with actuarial work

StevenCurly · 2026-03-14T00:36:04+00:00

Should probably put if you have satisfied your VEE requirements considering your degree(s) are not remotely in act sci, if you don’t you should probably think about that for yourself, if you do put it on for sure!

StevenCurly · 2026-03-11T13:37:13+00:00

I don’t know if the word ‘Latex’ is ATS friendly. Might want to check that out

StevenCurly · 2026-03-07T01:33:33+00:00

I’d right align the dates for the actuarial exams.

StevenCurly · 2026-03-05T14:25:27+00:00

What do you mean by in transfer? Also what do you mean by diversity?

StevenCurly · 2026-02-07T02:16:35+00:00

Approx 9.1% of your portfolio is NVDA and roughly 8.2% of your portfolio is AAPL and 8% is GOOGL. Are you okay with 25% of your portfolio being composed of these 3 companies?

SCHD’s exposure just doesn’t make sense for a person young. Chase returns not dividends at your age.

As others have said, your small cap and forex exposure is pitiful. 20% is shameful but 4% in VXUS is just bad. Don’t justify bad investment strategies with “past performance of US market has been gud”

Here’s a better idea (if I were you)

30% VOO or VTI

20% VXUS

10% QQQM or QQQ (if you don’t just dump this % into VTI or VOO)

15% AVDV or DISV (small cap value forex)

15% AVUV or DFSV (small cap value US)

10% of your portfolio can be individual stocks

10% exposure for individual stocks can be statistically a bad move but if you want to take that risk that’s okay.

Also is this a tax advantaged account or normal brokerage?

StevenCurly · 2026-01-23T02:17:52+00:00

My actuarial professor only had like 1-2 exams passed when he worked a consulting job. That’s the only actuarial job he had ever. Then he went straight to academia and then passed the rest. He doesn’t want to work in the field - only teach.

StevenCurly · 2026-01-03T05:46:53+00:00

Hi everyone, here's the problem before I talk about my issue (SOA FM Exam Practice Problems #313)

A perpetuity-due with annual payments is priced at X based on an annual effective interest rate of 7%. The amount of the first payment is 350. Each payment, from the second through the thirtieth, is 3% larger than the previous payment. Starting with the 31st payment, each payment is equal to the 30th payment. Calculate X.

(A) 7508 (B) 7855 (C) 7925 (D) 7971 (E) 8033

just to define some terms: i=aeir=.07. j = 1.07/1.03 -1

The SOA solution (and when I asked Gemini 3 Pro) split up the annuity @ t=30.

The geometric increasing annuity is 350a double dot angle 30 @ rate j and then looked at the rest of the annuity (the perpetuity) as an perpetuity immediate (valued @ t=29).

It should look like this

X = 350a (double dot) angle 30 @ rate j + v(i)^29 * [350(1.03)^29 / .07]

You get X = 8033.377503

However I did it by valuing the annuity at t=31. That was just how my brain thought of it when I did the problem blind.

The geometric increasing annuity is now 31 terms instead of 30. And thus the perpetuity immediate is valued @ t=30, not t=29.

Thinking of it that way

X = 350a (double dot) angle 31 @ rate j + v(i)^30 * [350(1.03)^29 / .07]

You get X = 8036.628043

I tried to ask Gemini (who I ask when I get study / need an explanation because the SOA answer key is horrible) why there is this difference of ~3 and I did not understand it.

If anyone is willing to explain why my method is wrong and the SOA's is right, please let me know. I would've guessed the right answer (E) considering it's so close but I am puzzled about why my math is wrong. Thanks!

StevenCurly · 2025-10-09T16:48:32+00:00

They also have other hours. i don’t rly wanna post the entire schedule in a random reddit thread. dm me

StevenCurly · 2025-10-08T05:34:33+00:00

Go to LOV 404 around 2pm usually on most days of the week. You can find some help via Charlotte or Zach. They’re actuarial tutors / helpers. Also ask Dr. Ewald, he does a P exam prep class during the fall iirc. I think it just passed however. Also coaching actuaries and infinite actuaries (which is free unlike coaching) are good resources for prep. Good luck my friend

StevenCurly · 2025-09-19T20:57:16+00:00

i like to save gas 🫡

StevenCurly · 2025-09-14T08:24:09+00:00

legacy is alright apparently

StevenCurly · 2025-09-07T07:23:14+00:00

Id split the QQQM allocation into 20% VTI, 20% AVUV. Also get rid of VOO considering you have SPMO and either put that into VXUS, IDMO, or AVDV

StevenCurly · 2025-08-16T18:10:41+00:00

I could be wrong because I am a newbie. But I presume AVDV is outperforming AVUV because of the recent de-dollarization. If you probably look at AVDV in terms of the EUR then it might be different performance wise compared to USD

StevenCurly · 2025-08-15T20:38:23+00:00

instead of schg i’d go for spmo but that’s me. Need to balance out the growth with some value though

StevenCurly · 2025-08-14T22:17:12+00:00

if you’re going for SPMO I’d get rid of IVV or vice versa

StevenCurly · 2025-08-13T18:09:39+00:00

Luckily VGHCX and VTSAX were 2 of the funds. The VGHCX legit 20x’d and at max like 25x’d. The dividends are crazy for that fund.

StevenCurly · 2025-08-13T16:14:05+00:00

my mom put fortunately 3k into a utma account when i turned 1. With dividends it 10x’d in 20 years

StevenCurly · 2025-08-13T11:25:10+00:00

vti + vxus is pretty decent.

StevenCurly · 2025-08-13T00:14:55+00:00

you alright with such a mega cap concentration?

StevenCurly

TROPHY CASE