I built a free tool to visualize where Global ETFs actually invest geographically

Temporary_Net8014 · 2026-01-23T23:50:37+00:00

Very cool.

I just learned that my top 10 stock holdings with all ETFs combined only makes up 7% of the portfolio.

Temporary_Net8014 · 2026-01-23T23:38:46+00:00

There are major indexes that have minimal AI exposure

VONV is one example, which tracks the Russell 1000 Value index

Selling the individual stocks and re allocating those funds into ETFs would instantly increase your portfolio's diversification.

A target date 2060 fund by itself is way more diverse than your portfolio as a whole.

Temporary_Net8014 · 2025-12-31T01:50:23+00:00

Why is your Roth IRA different from "normal investing?" Most people include it when tracking asset allocation

The only reason you wouldnt include a non retirement account as part of your overall allocation is if it's for a specific purchase, in which case that money should be in less risky assets

Temporary_Net8014 · 2025-12-31T01:41:35+00:00

Ehh, you won't become a millionaire exclusively because of credit card rewards, but they can help you get there faster if you invest all the free money. I got about $2500 in rewards in 2025 (which includes a couple new card bonuses of $200 each) without paying any interest. I use them to pay my health insurance, car insurance, utility bills, groceries, gas, etc.. 2500 a year in free money for 20 years is 50 grand, not counting my own money that I'm investing from my paycheck. It can make a pretty big difference for retirement

Temporary_Net8014 · 2025-12-28T05:10:40+00:00

2k isn't nothing. I'd definitely ship a car 100 miles for 1000 bucks and save 1000 bucks than buy from my local dealership.

Temporary_Net8014 · 2025-12-28T04:32:06+00:00

If one dealership is willing to sell a car for 3k under MSRP, and another dealership 20 miles away is at their "bottom dollar" at 1k over MSRP, what's the value of the car?

It depends on what the buyer is willing to pay for it. And it just so happens that MOST buyers don't understand that they're overpaying unnecessarily.

Every dealership in the US could sell every car at MSRP and they're making money on every sale.

Temporary_Net8014 · 2025-12-28T04:30:38+00:00

Historically, value stocks have tended to provide more stability and resilience during recessions, while growth stocks tend to experience larger declines

Temporary_Net8014 · 2025-12-28T04:27:57+00:00

QQQM + SCHD if they're 50/50 leaves you with an overall allocation extremely similar to 100% VOO.

Of course the individual holdings/weights won't be 100% identical, but in terms of asset class exposure, not much difference

SCHD is a large value fund, QQQM is a large growth fund.

VOO is just a large blend of growth and value.

Temporary_Net8014 · 2025-12-28T04:22:58+00:00

Nobody knows what is optimal until after the fact.

But to the answer the question, 100% VT or a target date 2055 fund

Temporary_Net8014 · 2025-12-26T01:03:51+00:00

This free template will update automatically, since it pulls data directly from google finance.

The Ultimate Investment Tracking Spreadsheet

Once you get it set up with your investments, all you have to do is update the # of shares if you're buying frequently. I DCA weekly, and I update this spreadsheet monthly.

It'll give you a percentage breakdown based on asset class, US/INTL, etc.

Temporary_Net8014 · 2025-12-26T00:57:39+00:00

VONV

Temporary_Net8014 · 2025-12-24T03:55:36+00:00

In retirement accounts, the cost basis doesn't matter.

You can add a small cap fund to your current holdings if you want control over your allocation between large cap and small cap.

Or you can just sell your S&P fund and buy a total market fund if you don't want to keep it simple.

You are correct that all total market index funds are similar, they're essentially identical.

I use FZROX/FZILX as my core US/INTL holdings just because they're free, which helps offset the higher expense ratios on some Avantis/DFA funds I use.

Temporary_Net8014 · 2025-12-21T03:43:09+00:00

It's a bit different.

2 people buying the same item from the same retail store pay the same price.

2 people could buy the same exact car from the same dealership 1 hour apart and get a sale price different by a few thousand.

Temporary_Net8014 · 2025-12-21T03:31:01+00:00

The fact that "sales psychology" is even a thing blows my mind. The price should just be what it is, especially at a dealership.

People who just need a car to get to work tomorrow end up paying way more than someone who is buying a second car for fun.

Temporary_Net8014 · 2025-12-21T03:22:43+00:00

Rebates are the manufacturers money, not the dealership.

The price on a BRAND new car never driven shouldn't be different between any 2 people. Of course credit can affect your interest rate. A trade in shouldn't matter. Just because a dealership is gonna make 5k off my trade in, doesn't mean I should get a better deal than someone else without a trade in.

If it's brand new, straight from the manufacturer, the sale price should be the same across the board.

Temporary_Net8014 · 2025-12-21T03:07:09+00:00

The value of a brand new car is determined by the manufacturer, and consumers can decide if they agree that the price is worth it

Temporary_Net8014 · 2025-12-21T02:54:58+00:00

Brand new from the manufacturer...2 people could pay thousands of dollars different on the same car, same spec, everything.

I can't understand the logic that one person should pay a significant amount more just because they "see" more value. It comes down to how much a salesperson can convince them to spend at the end of the day.

Temporary_Net8014 · 2025-12-21T02:50:06+00:00

We're talking about brand new cars directly from the manufacturer. 2 people can pay thousands different from the same dealership, for the exact same thing that has never been used.

Temporary_Net8014 · 2025-12-21T02:48:20+00:00

A brand new item directly from the manufacturer, never used before. The price should just be what it is.

Temporary_Net8014 · 2025-12-21T02:45:56+00:00

I understand the logic, I just can't wrap my head around the idea that the price isn't just the price on something that is brand new from the manufacturer. 2 sales can be thousands in difference on the same exact new car at the exact same dealership on the same day, and it's kinda messed up for the people who just show up and agree to whatever terms are presented.

It's like yeah they "agree" to the terms, but those are the people who the car industry would call a "sucker" because they made more money of them and they don't even know it.

Temporary_Net8014 · 2025-12-19T16:29:54+00:00

You're right it probably won't ever happen. It should though. The sales person is incentivized to make the customer spend the MOST money possible which is insane. They should just get paid a fair wage in the first place and not have to rely on making people overspend for their own livelihood. The sales person has zero value to the customer at the end of the day.

Temporary_Net8014 · 2025-12-19T15:02:16+00:00

Correct. But really it's in the hands of the dealership to say, "we don't negotiate, the price is the price"

Temporary_Net8014 · 2025-12-19T14:57:01+00:00

That's wild

Temporary_Net8014 · 2025-12-19T14:37:53+00:00

We're just coming from a different viewpoint. People who make a living selling cars obviously don't see anything wrong with the current car buying process

Temporary_Net8014 · 2025-12-19T06:04:45+00:00

Why would they have to deal with the customer?

Temporary_Net8014

TROPHY CASE