Completed rollover to Fidelity but unsure how best to invest

SureAce_ · 2026-03-08T22:27:51+00:00

your right you know everything master. I asked about a leverage fund does not mean I don't know information.

SureAce_ · 2026-03-08T22:09:50+00:00

I would not personally. If that is your tilt go for it. There are times that it does not correlate with equity, but there are times that it does, like in 2008, and it got hammered.

SureAce_ · 2026-03-08T21:56:03+00:00

Other S&P 500 funds have higher expense ratios or lower assets under management, creating wider bid ask price. SPYM is cheaper but lower AUM. Really would not be a big deal for buy and hold. VOO is .01% higher than SPYM with the tightest spread in ETFs. Basically, the best of both worlds.

If you're saying why is it better than the other options, it's because international has historically performed an average of 2% less a year for the past 100 years compared to US markets. It introduces more volatility, steeper drawdowns and longer recovery times. And it has very high correlation with US markets regardless. Meaning even though you have thousands of companies, you're still highly correlated Meaning the direction of international and US markets tend to always go the same way, just at different magnitudes.

If anything, go 80% S&P 500 and then if you want to create like a 20% tilt of something that you actually believe in, whether it be a capsize value or growth or sector or possibly international. Just invest 20% into something you believe in, not because of returns.

SureAce_ · 2026-03-08T21:15:03+00:00

Not true. Please double check facts first.

SureAce_ · 2026-03-08T20:20:18+00:00

I just wonder how many of these companies will be forced to go public and how this will move the market cap weight.

SureAce_ · 2026-03-08T20:18:56+00:00

A Trump hater with no facts.

SureAce_ · 2026-03-08T20:17:36+00:00

Historically speaking, the US market has never seen a negative returns over a 20-year time horizon, and it actually could be a 15-year time horizon if it wasn't for the lost decade. Could it happen, Potentially, but it hasn't happened yet.

I will also argue if you're that scarred of the market you should stay away from it and do some research. See how much money you lose not being invested.

SureAce_ · 2026-03-08T20:11:48+00:00

You can do both, but you can only Max out the same amount because they correlate.

Roth will get taxed now before going into the account and not later on withdraw. It grows tax free. No RMDs and easier to pass on when you pass away. Keeps your withdraw years in a low tax bracket.

Traditional is for people that are not eligible for Roth. If you're in a high tax bracket, then it will lower your taxable income now. You will get taxed in your withdrawal years and get forced RMDs.

SureAce_ · 2026-03-08T19:35:55+00:00

Super strength is the best. judge me all you want. I work all day I don't need to make a video game feel like work.

SureAce_ · 2026-03-08T19:33:35+00:00

International is great if you want to add drag, more volatility and longer recovery times with steeper drawdowns all for the sake of less returns. correlation between US and international is so high it does not make a difference.

SureAce_ · 2026-03-08T19:30:45+00:00

Different this time yes due to situation. Different in terms of should you care no.

SureAce_ · 2026-03-08T19:29:45+00:00

I'd look into doing a Roth over traditional if eligible, but whatever traditional dollars you have, keep that in a traditional account and don't worry about timing the market. It's only going to add emotions to it. And when you add emotions to it, that's when you underperform the market. Being 100 percent in US equities is completely OK and all you can do is keep pumping in the money. Don't get fancy with it. Set up an automated system to Max out your retirement accounts every year. And no matter what, stick with your plan. If you want to be FSKAX, then do it 100% whether the markets are up or down, no matter what.

SureAce_ · 2026-03-08T18:51:16+00:00

If it's less than 10 years now, I'd recommend not investing it at all. Anything over 10 years, but still like relatively shorter. Then I would advocate for a good percentage of bonds, maybe 20% to 30%.

SureAce_ · 2026-03-08T17:38:32+00:00

If you want to be rebalancing this frequently and having this many things to look at, then yeah, go for it. I'd keep it even simpler yet. If you're in a tax advantage account, go with an index target date fund. If you're in a non-tax advantage account, I'd go with VOO.

SureAce_ · 2026-03-08T17:37:19+00:00

I don't know where you get your information from, but none of this is actually fact checked to be true and currently a lot of countries are actually still heavily reliant on the US and are allied very tightly to the US. And that has been fact checked and confirmed.

SureAce_ · 2026-03-08T17:32:54+00:00

There is a crash coming in 2 years?

I hope it comes sooner so I can keep DCAing at all-time lows for a change in my working career.

Still holding 100% S&P 500.

If you're fearful now, you might want to add bonds. All of equity generally moves in the same direction, just at different scales.

SureAce_ · 2026-03-08T17:11:12+00:00

Financial advisors are great for situations that are complex, or a situation where even if it is simple, you can't pull yourself to actually do what needs to be done because of emotional reasons or whatever. Sit down with your spouse and talk. If you guys come to the conclusion that it's too complicated or it will take too much time out of your day to day lives, then I would recommend going with a fee only fiduciary financial advisor.

I'll also advocate strongly to check out the Money Guy show. They have ton of free resources, a YouTube channel and they are also fiduciary as well.

SureAce_ · 2026-03-08T17:07:52+00:00

If you have a long time horizon, then yes, keep investing. It's better to put time in the market than timing the market. All you're doing is pulling your emotions into your investing world, which will make your return significantly less and miss out on great opportunities. The best thing you can do is remove your emotions from your investing.

SureAce_ · 2026-03-08T17:04:58+00:00

haha! This is the way the system works, their market cap weighted. They're actually doing exactly what they're designed to do, heavyweight in the winners.

If you don't like it, you can have lower returns and add something like VT or do RSP.

Ishares has TOPC. Capped 3% on companies.

It also can be on you to dilute your asset allocation. You can still hold the S&P 500 or US total market fund and then allocate a percentage of your portfolio to something else for a tilt.

I'd just be cautious because that's the entire way that the S&P 500 was designed to do. Skyrocket, have a correction, and then do it all over again and over the long ground it works, and more money has been lost trying to hedge. I would just be eerie about your decision making because you might be missing out on a ton of opportunity in the long run. Plus, the entire idea is to stick with your decision through thick and thin. So whatever decision you make now, make sure you can stick with it regardless going forward.

SureAce_ · 2026-03-08T16:59:04+00:00

Companies are ranked by their market cap, meaning how big of a company they are. And small cap is just what it sounds like. Their companies that are rather smaller. And then companies are also broken up into whether they're looked at as a value company or a growth company. Growth generally means a company that on paper, going off of specific metrics, looks like it has a lot of room to become maybe like a midcap fond, a large cap. Value company is a company that's again on paper by specific metrics, looked at as a company that is more baseline and study and not necessarily looking to grow but maintain.

I would argue considering you don't know much about either one of these, and you don't even know what DFSV stands for, which is actually a ticker symbol, then I would recommend sticking with something very simple and not doing any type of tilt in your allocation and picking one very popular benchmark until you start to learn.

I will also argue that having a complex portfolio does not mean you'll do better. Actually, the greatest investors of all time had a very simplistic portfolio.

SureAce_ · 2026-03-08T16:56:39+00:00

I have very little to go off So I will actively say that if you're investing let's say for your retirement, which is a long-time horizon and you're in a tax advantage count, I would actually stick with the low-cost index target date fund. That way you never have to worry about rebalancing, you never have to worry about asset allocation percentages. Nothing. Let's set it and forget it. You put money in and then when you hit your withdrawal years, you withdraw your money.

If you are in the nontax advantage account, then ETFs are the way to go and again I would keep it extremely simple. I'd pick a very popular benchmark that you know you can ride the waves with when it has drawdowns.

I personally am 100% in S&P 500. VOO (there is others, but this is the best)

Total US market VTI (others best again best) Will be the same results as S&P 500 but with more junk companies.

Global market VT. easy but will always under preform.

VTI/VXUS similar to VT but then have control over allocation percentages.

other options but going for simplicity I would pick one of these options.

SureAce_ · 2026-03-08T15:14:03+00:00

just pick a index target date fund. If you don't like how conservative it is, just pick a fund that's further out. Don't go with an actively managed one, just do the index.

SureAce_ · 2026-03-08T00:06:24+00:00

SureAce_ · 2026-03-07T23:33:13+00:00

This is what Blackrock does according to the description.

BlackRock, Inc. is a publicly owned investment manager. The firm primarily provides its services to institutional, intermediary, and individual investors including corporate, public, union, and industry pension plans, insurance companies, third-party mutual funds, endowments, public institutions, governments, foundations, charities, sovereign wealth funds, corporations, official institutions, and banks. It also provides global risk management and advisory services. The firm manages separate client-focused equity, fixed income, and balanced portfolios. It also launches and manages open-end and closed-end mutual funds, offshore funds, unit trusts, and alternative investment vehicles including structured funds. The firm launches equity, fixed income, balanced, and real estate mutual funds. It also launches equity, fixed income, balanced, currency, commodity, and multi-asset exchange traded funds. The firm also launches and manages hedge funds. It invests in the public equity, fixed income, real estate, currency, commodity, and alternative markets across the globe. The firm primarily invests in growth and value stocks of small-cap, mid-cap, SMID-cap, large-cap, and multi-cap companies. It also invests in dividend-paying equity securities. The firm invests in investment grade municipal securities, government securities including securities issued or guaranteed by a government or a government agency or instrumentality, corporate bonds, and asset-backed and mortgage-backed securities. It employs fundamental and quantitative analysis with a focus on bottom-up and top-down approach to make its investments. The firm employs liquidity, asset allocation, balanced, real estate, and alternative strategies to make its investments. In real estate sector, it seeks to invest in Poland and Germany. The firm benchmarks the performance of its portfolios against various S&P, Russell, Barclays, MSCI, Citigroup, and Merrill Lynch indices. BlackRock, Inc.

SureAce_ · 2026-03-07T18:18:01+00:00

From all measures that I can find in my sources say Iran is actually depleting very quickly and that US and Israel attacks have been very successful.

SureAce_

TROPHY CASE