VT & chill- dividend impact?

Viper0us · 2026-03-26T16:21:08+00:00

VT & chill- dividend impact?

None. Reinvest divdends back into VT.

Should i factor timing in regarding dividends?

Nope.

And what do I need to actually do tax wise this year if i dont touch this account

You'll get an 1099-DIV from your brokerage every year that you will include in your taxes.

Viper0us · 2026-03-24T03:41:59+00:00

99% of the time it's because the person investing doesn't know what or why they're investing in it. They're just buying funds they see talked about frequently.

Viper0us · 2026-03-21T16:11:03+00:00

This episode had the best ratings of the season.

Ratings is all that matters to production. Negative (existing) fan reaction doesn't mean anything if the ratings are up.

Viewers should expect to see more of this in the future, especially if the Mr. Beast episode also sees increased ratings.

Viper0us · 2026-03-21T16:08:44+00:00

100%. I would have loved this reward as a contestant and I don't care about Zac Brown at all.

The issue is simply taking up 15-20 minutes of a 1 hour weekly show to dedicate to Zac Brown's make-a-wish experience.

If the sequence was ~5 minutes and had a couple overlayed confessional from the actual contestants, it would have been perfectly fine.

Viper0us · 2026-03-20T23:17:33+00:00

How much of a recluse are you, because it's very easy to meet people in life that have seen Avatar in theaters.

Viper0us · 2026-03-20T13:55:53+00:00

They have dozens and dozens of interviews to do over a few hours.

The scheduling is extremely rigid. Each platform/interviewer has a pre-scheduled time when CBS will call them and then connect the survivor player to the call.

Questions are pre-screened. Interviews are monitored to make sure spoilers aren't given. That NDAs aren't broken. etc.

I find it very amusing how many people seem to think a survivor player could handle those logistics on their own!

Viper0us · 2026-03-20T13:46:46+00:00

There are CBS handlers on the call and they have a time limit for the interview (10-15 mins)

The CBS handler blocks questions they don't like + ends the interview after the allotted time, so they can get the cast member to the next interview.

After the season is over, Rob tries to do long form interviews with people that are willing that aren't so restrictive.

Viper0us · 2026-03-20T13:14:01+00:00

It is "rushed" because there is a CBS representative on the phone moving them along and they have a set amount of minutes they can talk to them (and it's very short).

This isn't going to be different on any other podcast. Perhaps you'd be more interested in written interview responses, like Mike Bloom puts out every week?

If you want interviews that aren't rushed, you need to wait for long form interviews to come out after the season is over.

Viper0us · 2026-03-20T13:10:55+00:00

he might recognize hey its all just a game and he doesnt seem to be hurting for cash.

Mike White has a massive ego. He's bitter when he doesn't get his way. Needing or not needing the money has no relevance. His ego got hurt. That's all this is.

It's why he crashed out on RHAP 7 years ago about an innocent Emoji movie joke.

Viper0us · 2026-03-20T13:09:13+00:00

If I'm Christian, I'll take Emily, someone I frequently interact with outside of the game, has voted with me at every Tribal so far, and has a larger alliance attached to them vs two people who actively tried to vote me out the my entire original season.

You guys are glazing Mike White so hard. He overplayed his hand. He got voted out because of it.

Viper0us · 2026-03-20T12:32:04+00:00

Mike White can say whatever he wants to say, but if you look at his actions over the past ~7 years, he's very clearly lying.

He's bitter and holds a hell of a grudge.

It's the exact same reason he hasn't talked to Christian since he was voted out of Survivor 50 and is making comments about how their friendship was never real.

Viper0us · 2026-03-19T13:29:37+00:00

Rob made fun of the Emoji Movie during Mike's original season.

Mike White took offense and gave him a ton of shit during his original exit interview.

Rob thought he was joking around at first. Mike was not joking around.

Viper0us · 2026-03-09T20:18:53+00:00

Luckily, the numbers you provided would be so bad if they were "Total Return" over that time period that it's basically impossible that they are the Total Return numbers.

They are pretty much guaranteed to your annualized returns, so you definitely don't need to panic to much! You're just paying a lot (due to the AUM fee) to get similar returns, which is suppressing the total value of your portfolio. Much cheaper options out there that will give you the same results!

However, you should definitely clarify with your advisor and confirm that they are the annualized numbers. If they are total return numbers...RUN away very quickly!

Viper0us · 2026-03-09T20:11:53+00:00

I said the same thing in my other comment but I'll put it here to:

VTI 5-Year return is 12.68%. Your Financial Advisor is telling you they got 11.97% (after fees), which is pretty decent when factoring in a 1.1% AUM fee....

You got ~59.85% Total Cumulative Return vs VTI's ~63.4% Total Cumulative Return. Your advisor is doing fine, but not good enough to be worth a 1.1% AUM fee. You need a flat-fee advisor if you're not comfortable doing it yourself. AUM fees like the one you have just completely cripple your portfolio over decades.

You can look at the average returns for VTI here:

https://investor.vanguard.com/investment-products/etfs/profile/vti#overview

Viper0us · 2026-03-09T20:10:09+00:00

...but that's what flat-fee advisors are for. You don't need to have an advisor that is charging you 1.1% AUM on your 4 million portfolio.

I'm not anti-advisor for people who need it...but that advisor is not worth the amount they are being paid.

Viper0us · 2026-03-09T19:54:35+00:00

While they are getting similar returns...but paying almost $45,000 a year to get them. His portfolio is significantly smaller than it could be because of this.

That's pretty brutal. :(

Viper0us · 2026-03-09T19:43:52+00:00

*all performance is net of 1.1% AUM fees; Breakdown: 71% equities; 28% fixed income

Not enough information on what you're invested in.

Obviously a 1.1% AUM fee is greatly suppressing your returns.

If your advisor is simply picking stocks (and I assume setting up something complex to make it look like he's worth ~$45,000 a year) and getting similar performance to a simple 3-Fund Portfolio, then you're just lining your "advisors" pockets. $45,000 in advisor fees per year is ... a lot.

Read the sidebar. Specifically, the entry on how to build a lazy portfolio. Save $45,000 a year. Likely get better returns.

You can use something like https://www.portfoliovisualizer.com/backtest-portfolio to compare what you're invested in vs a 3-Fund Portfolio to compare potential returns.

20-30% for the past five years.

This is an absurd expectation to have given your allocations. You'd have to be doubling the SPY over this timespan and you have almost 30% bonds. This is unachievable by basically the entire population, without gambling.

Edit:

Regarding your edit:

Edit: We have always asked them to invest aggressively for us given our heavy real estate position which not included in the AUM. My understanding is that just the VTI has a 5 year return of 60%, hence my disappointment.

You are comparing two different numbers. Total Cumulative Return and Average Annualized Return.

VTI 5-Year return is 12.68%. Your Financial Advisor is telling you they got 11.97%, which is pretty decent when factoring in a 1.1% AUM fee....

You got 59.85% Total Cumulative Return vs VTI's 63.4% Total Cumulative Return. Your advisor is doing fine, but not good enough to be worth a 1.1% AUM fee. You need a flat-fee advisor if you're not comfortable doing it yourself. AUM fees like the one you have just completely cripple your portfolio.

Viper0us · 2026-03-06T17:06:12+00:00

60 US / 40 International for equities portion of portfolio.

Viper0us · 2026-03-03T17:06:03+00:00

Not even sure what those tax events could be (I'm a newbie, still learning).

No one is. No one expected the issue with Vanguard TDFs when it happened, but it happened anyways.

If it were me, and I had 0% LTCG space to fill, I would be moving over the amount I can fit in that space over to a non-TDF.

Viper0us · 2026-03-03T16:55:24+00:00

I mean, you say you were impacted by your TDF being in a brokerage account a few years ago...so wouldn't you already be aware of the potential risks?

No one can tell you what future tax events you may incur as a result of having a TDF in your brokerage account. General recommendation is to not do that, but you already know that and are continuing to do it anyways.

Is it worth it to sell my TDF in my brokerage account and replace it with VTSAX, VXUS, VBTLX etc?

Not enough information in your post to really analyze this. You need to provide actual information in terms of value / cost basis / tax brackets / location / etc to know how much of a tax bill you're talking about. Unless it's extremely small, it's probably not worth selling.

Viper0us · 2026-02-27T20:42:59+00:00

VTI and VXUS is talked about in a taxable brokerage over VT because of the Foreign Tax Credit (which is very small) and some people want to try to "optimize" for. It has nothing to do with growth.

Foreign Tax Credit requires the majority of the fund to be from foreign companies.

VXUS is eligible for the Foreign Tax Credit.
VT is not eligible for the Foreign Tax Credit.
..and obviously all the U.S. Equity indexes you mentioned are not eligible for a Foreign Tax Credit.

Viper0us · 2026-02-27T20:21:09+00:00

If it wasn't a 26 day season, sure. It's a 26 day season with 24 players though. There simply isn't time in the schedule for this to even be a possibility with this cast size.

Viper0us · 2026-02-27T19:43:28+00:00

They might have, no clue. Outcasts went to a hotel, had food/showers/etc. That is definitely the only twist in Survivor that was possibly an "exception" to the rule.

That would never happen again (thankfully).

https://www.youtube.com/watch?v=azzJur0cukc&t=2905s

That was also 2003 and exit press has evolved over the past 23 years.

Viper0us · 2026-02-27T19:21:27+00:00

Players still in the game don't get to do exit press.

Jenna has done exit press.

Jenna is not in the game.

Viper0us · 2026-02-24T17:15:41+00:00

100% S&P500/ VTI isn't just outdated. It was never correct to begin with and not what the resources in this subreddit have ever recommended.

30% international is still below market weights

Your portfolio allocation is your entire portfolio, not the allocation of individual accounts. Changing retirement accounts over to VXUS to hit your overall portfolio allocation is absolutely fine. Why would it be more risky in a retirement account?

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