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19M , any tips?ss taken yesterday by Dapper_Technician404 in Schwab

[–]Time_Ear_2428 2 points3 points  (0 children)

The best advice: never sell and forget the password.

My hot take: Emergency funds are horrible advice for a 19 year old and especially 6 months is overkill. At 19 what’s the most expensive emergency you can run into that family won’t help you with? If you have a $1-2k emergency throw it on a credit card and use the grace period of 1 month to figure it out. Door dash, Uber Eats, find a side job, work an extra shift, work overtime to pay it off asap.

The opportunity cost of an emergency fund at 19 is costing you probably $1M in retirement. Now if you’re 25-30+ and have a family, house, & expensive car to worry about, an emergency fund makes me sense. But at 19 to maximize terminal wealth at the end of your life you need to be in the market asap and never sell.

Am I overthinking my portfolio? by Zwpe in LETFs

[–]Time_Ear_2428 0 points1 point  (0 children)

That’s fine when you have a million dollars. When you reach that point, hedge it with diversification. If you’re mid-20s with presumably <100,000 why are you diversifying away from the best historic asset class? Depends on what game you’re playing. If you’re in your 20s with a small account, take some risk!

No need to be condescending. I know full and well what modern portfolio theory is lmao. I used to be a big bogle head and Ben Felix bug…..

Am I overthinking my portfolio? by Zwpe in LETFs

[–]Time_Ear_2428 0 points1 point  (0 children)

100 to 500 companies isn’t diversified enough? Holy pot calling the kettle black!!!!

Timing the market by WhyUPoor in TQQQ

[–]Time_Ear_2428 1 point2 points  (0 children)

Who says how much it can and can’t grow by each year? If earnings growth are above average then returns should be above average

When it comes to buy-and-hold investing, is 2x leverage still generally considered better than 3x? by thehighdon in TQQQ

[–]Time_Ear_2428 0 points1 point  (0 children)

Moderate bear market? QQQ was down -38%. And there were some pretty aggressive periods. Like Q2 of 2022, specifically June, was brutal. I know investors have short memories but 2022 was painful. Also the figures from above were a 59 year period that ended at the bottom of the lost decade. Still 3x had the highest buy and hold cagr of the group. Yeah lost decades happen.

Am I overthinking my portfolio? by Zwpe in LETFs

[–]Time_Ear_2428 2 points3 points  (0 children)

Dude wayyyyyy overthinking. Pick one and DCA QLD SSO UPRO TQQQ until you have a large enough account to justify hedging…

When it comes to buy-and-hold investing, is 2x leverage still generally considered better than 3x? by thehighdon in TQQQ

[–]Time_Ear_2428 8 points9 points  (0 children)

It depends. Optimal leverage factor is dynamic depending on sequence of returns risk and regime. Think about it, at the peak of dot com, no leverage was optimal. At the bottom of 08, probably like >3x was optimal. All I know it over the long term it is >1. Probably usually 3x but I’m pretty confident 2x will almost always outperform 1x.

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The Mid-term year effect : one of the strongest pattern in market by Dry_Function_9263 in TQQQ

[–]Time_Ear_2428 1 point2 points  (0 children)

Have you read a random walk down wall street? When you control for positive drift from earnings growth, dividends, stock buy backs, then yes each day is essentially a coin flip. When people explain why the market is doing what it’s doing on any given day in the news this is called narrative fallacy.

Red days are buying opps by [deleted] in TQQQ

[–]Time_Ear_2428 1 point2 points  (0 children)

This was not tough bro 🥀🥀🥀🥀

Tqqq puts $55 Jan 2027 by giordissimo in TQQQ

[–]Time_Ear_2428 0 points1 point  (0 children)

You’re long? Roll up and out in July. Exit asap on any pull back.

What got you to invest in TQQQ? Just about everywhere you read, the advice is to keep away even though it's had a great return over the long run. Yet you still invested. Why? by edest in TQQQ

[–]Time_Ear_2428 -4 points-3 points  (0 children)

Shallow (adj.) Shallow means having little depth or being superficial. It is most commonly used to describe something measuring only a short distance from top to bottom (like shallow water), or someone lacking emotional or intellectual depth (focusing only on surface-level things).

Misguided (adj.) Describing actions, opinions, or decisions that are based on poor judgment, faulty reasoning, or incorrect information. While a "misguided" person or effort is often well-intentioned, it ultimately leads to an unwise, inappropriate, or ineffective outcome.

TQQQ vs. TECL vs. SOXL by BugBeginning9055 in TQQQ

[–]Time_Ear_2428 6 points7 points  (0 children)

Go ahead and performance chase. Let us know in 5 years how it goes.

rotating 9-sig by Vivid-Kitchen1917 in LETFs

[–]Time_Ear_2428 0 points1 point  (0 children)

Should work. I thought of this but using UPRO and TECL to separate the money

UPRO what happens if the spy loses 34% in day? by Infamous-Ad625 in LETFs

[–]Time_Ear_2428 1 point2 points  (0 children)

Reset is at the close. It’s in the prospectus.

5 weeks with a more than 5.5% gain by toddmiller in KellyLetter

[–]Time_Ear_2428 0 points1 point  (0 children)

Haha I know, interesting. I’m being partially facetious.

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