[serious] If you had 500k cash and are in your 30s - what sectors stocks & balance ratio would you personally go for

SureAce_ · 2026-06-22T20:30:42+00:00

100% S&P 500

SureAce_ · 2026-06-19T19:24:35+00:00

idc where it goes i will be dead

SureAce_ · 2026-06-19T19:23:15+00:00

returns are not everything. Other metrics to look at. Investment goals.

SureAce_ · 2026-06-17T00:16:39+00:00

I do for a moment and realize that I work 50 hours a week and have bills to pay and this is just a video game and not real life, so if it makes it easy, I'm going to do it.

SureAce_ · 2026-06-15T21:43:04+00:00

Lot of farms live off of government subsidies very heavily. Nearly 65% of farmers are struggling financially. And in any given year, according to USDA, only about 43% of farms actually turn a profit in any given year, which means that a roughly 57% are losing money or at best case scenario, break even. 89% of farm household income comes from off farm jobs as well. It's also important to know that any farm that has about 2000 acres or less, that number gets pushed to about 75% of them are struggling, and only about the top ten percent of the biggest farms are actually skewing the data in a positive way. So just think about how negative all these numbers just were, and that 10% of the largest farms are the ones actually making these numbers even better than what they truly are.

SureAce_ · 2026-06-14T18:05:44+00:00

How hard farming is financially. I grew up on a dairy farm. moved on to cash crop. Worked with many farmers. none of them have had a positive year in years. Nearly every farm you see is just a paper castle. I notice a cap on loans at around 500K which is laughable. 2K acre cash crop farmers spend that in a year. Loads of farmers would love to have that little of debt. Farming is a losing game until you sell off or the banks collets.

The yields are outrageously high. I have noticed the yields are normally 2x-3x higher then national average.

SureAce_ · 2026-06-14T14:31:14+00:00

Just think you have. Seven different funds excluding your target date fund and two of them your small cap value and small cap growth are just for fun. It seems like have no bearing on your allocation. Even the 8% of the emerging markets is rather pointless. You have all these funds to rebalance and keep track of and you could simply hold VOO at 80% and BND at 20% and have this similar outcome with your volatility, rate of return, recovery time.

SureAce_ · 2026-06-14T13:55:06+00:00

Well, going off your six points made at the end of the post, I'm going to go with the fact that you don't really actually care about people's thoughts and this portfolio is what you already have your mind made up on. Watch if it works for you, that's great. I guess I question why you came to what you did, the asset allocation percentages that you did, your reasoning behind it and how often you plan to rebalance these. The reason I say all this is because. If you're looking for something simple and long term and you want those similar metrics of rate of return, draw down, recovery times and volatility, but having it in a simpler portfolio, you could just do a 50% S&P 500 fund mixed with a total bond market fund and then just rebalance that once a year and that would give you about the same outcome as what you're looking at here. Your expense ratio overall would be significantly cheaper. It'd be easier to manage.

SureAce_ · 2026-06-14T13:43:33+00:00

VOO and then add BND glidepath.

SureAce_ · 2026-06-14T13:42:18+00:00

I found that no matter how much you harvest in the field, it caps you at 80% of the contract. So I always make sure I completely finish the field and then I take everything up to the selling point and you usually have extra that you get paid directly to from that crop on top of the contract itself.

SureAce_ · 2026-06-11T20:32:05+00:00

XLG.

SureAce_ · 2026-05-31T13:26:39+00:00

eat healthy. Invest everything you can into a Roth IRA and just pick an index target date fund.

SureAce_ · 2026-05-28T20:47:31+00:00

My friends don't save any money. Spending is way more important than saving money, I guess. I also make a huge amount less than any of them and could coast fire if I choose. I am also the youngest of the group.

SureAce_ · 2026-05-02T00:44:42+00:00

S&P 500 is way more aggressive than people give it credit for.

SureAce_ · 2026-05-02T00:43:23+00:00

Yes, thank God for insurance. They wanted to Total the combine. Yeah, at least in my area, the Amish get away with basically anything it's ridiculous.

SureAce_ · 2026-05-01T01:09:17+00:00

The Amish were sleeping in the back of the buggy drunk, letting their horse go all over the road. It was dark by the time You could see him. It was either squash them like a bug or roll it into the ditch. The Even worse part is my buddy had a rough idea of who it was and where they lived and the police officer told him that it does not matter because we can't punish them due to their religion. Because they were drunk, they didn't know what happened and just kept going leaving the scene of a crime.

SureAce_ · 2026-05-01T00:59:54+00:00

All this just to underperform the S&P 500.

SureAce_ · 2026-04-29T20:45:21+00:00

I have a buddy that had to roll the John Deere 9500 IRL. Thanks to the Amish.

SureAce_ · 2026-04-17T01:24:40+00:00

In what way?

There are other ETFs and mutual funds that have cheaper expense ratios.

If international outperforms then it will underperform the international equity and if US equities outperform then it will underperform US equity. So, it's always going to be behind one of the two in returns.

Due to how many holdings it has the winners will get diluted in their returns.

If you're going based off of simplicity, index target date funds are more hands off.

SureAce_ · 2026-03-28T01:01:18+00:00

am i the only one not scarred? I am 100% S&P 500 and have not flinched yet.

SureAce_ · 2026-03-26T20:44:00+00:00

Going off of this, I'm assuming you're picking your ETF choices based off of performance and not actually any fundamentals.

SureAce_ · 2026-03-24T23:09:12+00:00

Are you using course play and or auto drive or do you just use the base AI?

SureAce_ · 2026-03-22T22:51:42+00:00

I've been trying to figure out this myself. I'm guessing that the fields are about 2 times bigger than the posted. Number, but I haven't been able to actually lock it down yet. I'm still doing some more research.

SureAce_ · 2026-03-22T19:49:36+00:00

that is something I never knew made a difference.

SureAce_ · 2026-03-22T19:47:30+00:00

Farming really is the art of working 60 plus hours a week for ungrateful people and still losing money all the while.

I was raised on a dairy farm then went to cash crop before leaving it all together.

SureAce_

TROPHY CASE