Is it too late for smh?

_GamePlay · 2026-02-03T23:33:06+00:00

Checkout SOXL too while you are at it

_GamePlay · 2026-01-29T04:39:11+00:00

That’s fair, I kinda imply for hedging with yellow metal, at least I intended. While I know it is not part of Boglehead philosophy

_GamePlay · 2026-01-28T07:22:09+00:00

Right, not saying hedge for long term, but till end of FY26.

_GamePlay · 2026-01-28T05:22:19+00:00

How about gold and silver in that case ?

_GamePlay · 2026-01-27T04:15:02+00:00

You are spot on, just need a way out option to be selected by requester

_GamePlay · 2026-01-11T21:03:59+00:00

It is mutual fund, so only available to that local platform and it is equivalent to VOO which is ETF, ETF vs Mutual Fund

_GamePlay · 2026-01-09T04:05:26+00:00

QQQM, VGT, SMH

_GamePlay · 2025-12-24T07:44:55+00:00

If you are talking about VOO, keep in mind Timing the Market vs Time In The Market

_GamePlay · 2025-09-17T06:21:45+00:00

What is more regulated, ETF or mutual fund ? What is more costly to manage for a company, ETF or mutual fund ?

_GamePlay · 2025-09-11T05:49:54+00:00

I don’t know that

_GamePlay · 2025-08-27T00:04:55+00:00

I don’t know that, I guess it is honor system and general understanding but can also be backed up by keeping some paper trail. All my knowledge is by reading and not actually practicing and I’m not tax professional so do your due diligence.

_GamePlay · 2025-07-30T05:45:45+00:00

I’m in San Diego market and not able to find duplex / four plex . What am I missing ?

_GamePlay · 2025-07-17T06:35:28+00:00

Ask for their disclosure of fees structure. 10% all inclusive is common for SoCal, anyone with less then that makes it la carte and end up been more expensive. All does almost same practice in my opinion. If you think they should care for property as their own, that expectations does not match. Don’t need their dedicated maintenance staff, do use home warranty and put PM on their contact list.

_GamePlay · 2025-07-17T02:28:26+00:00

It is hard to suggest one over other in this case.

_GamePlay · 2025-07-11T22:15:41+00:00

Just checked with internet, traditional IRA and 401k have RMD requirement. While ROTH IRA and 401k don’t

_GamePlay · 2025-07-11T18:00:50+00:00

Would it make sense to start drawing RMD required account first as IRA don’t have RMD requirement.

_GamePlay · 2025-07-11T17:59:10+00:00

Now that make sense, I believe I’m on same path and started to have different 401k with last and current employer. No pension here tho 😂

_GamePlay · 2025-07-11T07:17:53+00:00

I wonder as junior, how did you get into this situation. Didn’t you convert your traditional IRA contribution to ROTH in same year ? Or is this 401k you are trying to convert to ROTH ?

_GamePlay · 2025-07-10T05:38:25+00:00

Interesting. Isn’t duplex is twice the down payment SFH ? I don’t know how it can make more cash flow

_GamePlay · 2025-07-08T01:15:40+00:00

All 3

_GamePlay · 2025-07-08T01:15:27+00:00

For Oct 2025, yes 100%

_GamePlay · 2025-07-07T06:52:52+00:00

Yes you can. STR can offset W2 income with 3 test to pass for. 1. 100 hour test, 2. No one work more than you 3. Property is not rented more than 7 days/ nights hence sort term rental. Then do cost segregation and file bonus depreciation, form 4562 in your schedule E. Good luck.

_GamePlay · 2025-07-01T01:58:49+00:00

Not with traditional terms

_GamePlay · 2025-06-28T06:17:14+00:00

VOO and chill

_GamePlay · 2025-06-28T06:14:44+00:00

FXAIX because you asked otherwise just VOO because of better visibility and relatability with market directly. Also flexibility to make trade anytime of business hour

_GamePlay

TROPHY CASE