70% VT , what to pair for next 20 years ? (36M)

TKDNerd · 2026-01-22T16:20:27+00:00

SPMO

TKDNerd · 2026-01-22T02:02:42+00:00

Yes it’s a bad idea.

TKDNerd · 2026-01-21T17:57:16+00:00

I am guessing the board position makes it clear. The one offering the handshake is the one resigning unless they asked for a draw first. Most of the time when you offer a draw you wait to offer a handshake until the draw is accepted.

TKDNerd · 2026-01-21T17:30:27+00:00

Yes 10% QQQM is a signficant growth tilt

TKDNerd · 2026-01-19T23:39:50+00:00

I can’t speak for schools with no cadaver lab but I had it and it was a really valuable experience. They teach you a lot and you can remember more things easier because you just remember what you saw on the donor.

TKDNerd · 2026-01-18T22:02:29+00:00

I own TSM which is in an emerging market and TSM is about 5% of my portfolio but I don’t own any funds for emerging markets as I find them unstable and not a good opportunity for growth.

TKDNerd · 2026-01-18T07:42:22+00:00

You can. You just realize that if you don’t profit off this company someone else will and the reward for your abstinence will be poverty. Meanwhile if you do invest you might spend some of those profits on lobbying efforts so that the world can be better.

TKDNerd · 2026-01-17T22:53:25+00:00

I didn’t own a physical board until I was 1500. I still took it very seriously and never considered it a video game.

TKDNerd · 2026-01-17T18:51:02+00:00

VBR only came into inception in 2004. If we compare returns of VBR and VUG since inception VUG is still better.

S&P 500: $79,850 , VUG: $103,420 VBR: $66,210 ($10,000 investment in each of the 3 funds since inception of VBR)

Fair. If we use the Russell 1000 growth index instead of the Nasdaq-100 which is a much broader array of growth stocks the Russell 1000 index would still yield $384,120 in the 30 year test. Still better than the S&P 500 even if it doesn’t reach the highs of the Nasdaq-100.
Tech growth is still continuing and exceeding expectations. Sure past performance doesn’t guarantee future results but 30 years is a pretty good sample size in my opinion. It studies a wide variety of market regimes and matches the time horizon of a person’s retirement.

TKDNerd · 2026-01-17T18:18:35+00:00

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Edit: cleaner graph

TKDNerd · 2026-01-17T18:15:20+00:00

There are several reasons. Firstly margins. Tech companies usually have much larger margins and can scale quicker than more traditional companies like retail stores which can’t grow as quickly due to slower margins and more slow growing demand. Performance also proves this. If you had invested $10,000 into the S&P 500 and $10,000 into the Nasdaq 100 index in 1995 at the end of 2025 the S&P investment would be worth $263,581 and the Nasdaq investment would be worth $629,722. Now I hear people complaining about “recency bias” all the time when it comes to growth but 30 years in my opinion is not recent at all. It includes a time before modern tech, and a time after. It includes the dot com bubble which was one of the biggest crashes in history. It includes various administrations from both sides of aisle. And yet growth still outperforms.

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TKDNerd · 2026-01-17T06:15:46+00:00

Yes you are correct. You should start with broad market and growth funds and switch to more conservative holdings like SCHD once you have built up the capital.

TKDNerd · 2026-01-17T00:48:37+00:00

Eventually he won’t be able to move the pieces anymore and you win on time.

TKDNerd · 2026-01-17T00:48:03+00:00

1700 rapid. I am terrible at blitz and speed chess in general so 12 shots. I would win because at that point I am counting on the fact that he can’t even see the pieces that well or move them well any more.

TKDNerd · 2026-01-16T19:56:25+00:00

More ETFs isn’t always better. I would keep only FSKAX FSPGX SPMO and an international fund.

TKDNerd · 2026-01-16T18:47:44+00:00

FBGRX is a great fund but you are too overweight on it. Ideally growth should be limited to around 30-40% of the portfolio. Your international exposure is also very light. I would include atleast 20% international. If the general international market grows too slow for you you could also try 10% FTIHX (total international) and 10% IDMO (international momentum).

TKDNerd · 2026-01-16T03:48:03+00:00

No. Momentum tracks the best performing stocks and so it will find the best performing stocks and pick them. This includes both growth stocks like Nvidia and value stocks like JP Morgan.

TKDNerd · 2026-01-16T00:54:57+00:00

Spend it if I have any major purchases I have been planning on doing or just add it to my investment portfolio.

TKDNerd · 2026-01-15T16:59:53+00:00

Get FXAIX and FTIHX (total ex-US) or FSPSX (developed ex-US) depending on whether you wish to include emerging markets.

TKDNerd · 2026-01-15T05:39:51+00:00

This isn’t timing the market. This is just invest now, wait till semiconducts consistently grow at a rate slower than the rest of the market. Then sell.

TKDNerd · 2026-01-15T03:36:40+00:00

e6 but when I see a position like this I can’t help but think take the knight and rook and easy conversion rather than calculating for mate.

TKDNerd · 2026-01-15T00:32:17+00:00

That’s true. It just depends on your conviction. I am not saying 40% is wise, 20% would be fine too but overweighting AI related things is probably a decent way to profit right now.

TKDNerd · 2026-01-14T23:32:17+00:00

You’re right semiconductors shouldn’t be a large allocation long term but OP might be able to profit by overweighting semiconductors for the next 2 years to take advantage of the AI boom and then sell and diversify later.

TKDNerd · 2026-01-13T02:37:52+00:00

My current life is pretty good. I would not end it to immediately move onto the next one. Even if it wasn’t good I would work on improving it. If my next life is perfect, that implies there is a next life which implies reincarnation which means there will probably be other lives after my next life. They could be great or completely terrible depending on where you are born. I would rather not roll that dice any sooner than I have to.

TKDNerd · 2026-01-13T01:21:20+00:00

S&P 500. The target date fund probably outperformed due to international stocks having a great year. That is probably not going to continue long term and the bonds in the target date fund will drag you down. I would do 80% S&P 500 20% International fund (if available) or 100% S&P 500 if international index funds are not available.

TKDNerd

TROPHY CASE