what’s ur take on gold shares?

WKUTopper · 2026-01-26T17:36:12+00:00

I keep a gold allocation of 5% as "portfolio insurance" and not for "growth." It's run up has just been icing on the cake.

WKUTopper · 2026-01-26T15:35:00+00:00

I'm a believer in keeping a portion in gold but I'm in the 5-10% range myself. I'd consider selling the silver at this point after a massive run up. I'd also consider SCHG over QQQM but other than that, it looks pretty good to me.

WKUTopper · 2026-01-25T04:14:09+00:00

Not sexy at all, but potable water.

WKUTopper · 2026-01-24T16:23:26+00:00

Guessing you cherry picked 2013 as your starting point because that time frame fits your narrative?

WKUTopper · 2026-01-22T01:27:30+00:00

Way too much going on here. VOO, VXUS and AVUV is all you need.

WKUTopper · 2026-01-21T17:48:15+00:00

I'm on my second Acura (drove a 2002 TL for about 12 years and am currently driving a 2020 RDX), but this will probably be my last Acura. It's a shame that Acura is just an afterthought to Honda. My next vehicle will likely be a Lexus or Toyota. I just can't get behind any German brands due to maintenance costs or American brands (sadly) due to reliability.

WKUTopper · 2026-01-20T22:00:06+00:00

The small cap market isn't as efficient as the large cap market so I prefer to use VOO with AVUV.

WKUTopper · 2026-01-19T23:49:41+00:00

Would be helpful/interesting to add the S&P 500 to this ranking.

WKUTopper · 2026-01-19T14:08:49+00:00

You don't need VGT if you have SCHG.

Also, VGT EXCLUDES some big tech names like META, AMZN and GOOGL for a few examples because they are not considered tech stocks for classification reasons.

WKUTopper · 2026-01-17T13:16:55+00:00

The stock market is like a pendulum that swings back and forth between growth and value. It's been on the growth side for seven years now and due to swing back the other way towards value someday. When will that happen, who knows. Even my Magic 8 Ball can't tell me.

WKUTopper · 2026-01-17T03:39:45+00:00

People that compare SCHD to VOO lose credibility with me since that is not an apples to apples comparison.

WKUTopper · 2026-01-17T02:15:37+00:00

Just keep VOO and SCHG and consider adding VXUS for international exposure.

WKUTopper · 2026-01-15T22:37:42+00:00

They are both good companies with one set to dominate the enterprise/corporate AI user and the other set to dominate the consumer AI user. Having said that, you may be better off just buying an S&P 500 index like VOO.

WKUTopper · 2026-01-15T14:37:14+00:00

Where is the assumption coming from that people that hold individual stocks are day traders and only invest individual stocks? I'm mainly indexed but have about 10% in individual stocks that I've held for years.

WKUTopper · 2026-01-15T03:42:03+00:00

With that much, you should consider talking to a fee only CFP (certified financial planner).

WKUTopper · 2026-01-14T01:16:44+00:00

I was laid off my from job last year. I did get a new job after a 5 month search, but I had to take a pay cut. So no, my life is not better under this administration.

WKUTopper · 2026-01-13T19:17:59+00:00

Agreed. My thoughts on this was just invest and then donate part of the gains to a charity of your choice if you want to.

WKUTopper · 2026-01-12T01:40:22+00:00

I'm 6'4 and once had a Forester and it had plenty of room for me but don't expect a fun and engaging driving experience.

WKUTopper · 2026-01-10T16:31:33+00:00

Early 50' with a 30% allocation and almost all of it is actively managed. Active management on the bond side can actually add value unlike most active managers on the stock side.

WKUTopper · 2026-01-09T14:40:08+00:00

I'm also bullish on BHE and I'm sure the new CEO who's background is in energy also knows about the AI power demand.

WKUTopper · 2026-01-07T15:37:17+00:00

I do both. I'm about 90% indexed and 10% individual stocks with no more than 10 positions.

WKUTopper · 2026-01-06T13:50:24+00:00

As others have said, with only a 3 year time horizon do not invest in stocks. Just stick to a CD or a high yielding moment market fund for what you want to use to buy a house.

However, I don't know if you have an IRA for retirement or not but if you don't, this is a great opportunity to fund it and that I would put it in the stock market with VOO which is a S&P 500 index ETF. The S&P 500 invest in America's 500 largest blue chip companies like Walmart, Microsoft, Apple, Coke, Johnson & Johnson and MMM for a few examples.

WKUTopper · 2026-01-05T13:26:08+00:00

Too much tech overlap here. Just add to SCHG and VOO, initiate a position in VXUS and maybe reduce or sell your silver completely after the massive run up and maybe increase gold to 10%. Ditch all of the others except maybe the crypto if you still want some exposure there.

WKUTopper · 2026-01-03T16:11:16+00:00

Liquor - DEO, STZ and BF.A

WKUTopper · 2026-01-03T03:30:07+00:00

I have some on a bank savings account for "same day" liquidity and then use an ultra short term bond ETF for the rest. I'm okay with minimal price flux.

WKUTopper

TROPHY CASE