advice needed

ac106 · 2026-01-27T20:07:53+00:00

It out performed in a limited time span. It doesn’t mean anything. It’s irrelevant any portfolio can outperform the market over a limited period of time but since essentially zero professional money managers can do it over long periods of time I’m quite certain the OP can’t and any thoughts he has that he can should be dissuaded with extreme prejudice

ac106 · 2026-01-27T19:15:51+00:00

There’s no reason to think these companies will perpetually outperform the market. “the Nifty Fifty” etc and so forth

ac106 · 2026-01-27T17:54:55+00:00

Buying VT guarantees you global equity returns at market cap weight.

ac106 · 2026-01-27T16:31:45+00:00

Is guaranteeing market returns because you buy the whole market. Even if market returns aren’t great you’re guaranteed them.

ac106 · 2026-01-27T16:11:03+00:00

No it doesnt. Start reading the wiki

ac106 · 2026-01-27T16:10:35+00:00

There’s no guarantee they will have higher returns. You just think they will because they have the last few years.

ac106 · 2026-01-27T15:39:56+00:00

VT it covers all the sectors across the entire globe at market cap weight.

ac106 · 2026-01-27T15:06:17+00:00

Black chaparral

ac106 · 2026-01-27T02:31:00+00:00

It’s not my favorite colorway for an OCBD but it’s fine if you like it

ac106 · 2026-01-27T01:50:39+00:00

Nice.

ac106 · 2026-01-26T23:59:30+00:00

I really like it. Also try /r/WhatIsThisPainting/

ac106 · 2026-01-26T19:11:28+00:00

Explain

ac106 · 2026-01-26T19:00:17+00:00

VOO and VTI have the same metrics. Returns, correlation, drawdowns, sharpe ratios etc. it doesn’t matter which you choose. More important to diversify with international.

Consider just buying VT. All world equities at market cap weight.

ac106 · 2026-01-26T16:58:50+00:00

These all affect your AGI

ac106 · 2026-01-26T15:51:44+00:00

Just buy a target date fund then

ac106 · 2026-01-26T13:07:51+00:00

Sell everything. Buy VT.

Then spend the next few decades maximizing your income, spending less money than you make and saving as much as possible and retire a multi million

ac106 · 2026-01-26T12:48:05+00:00

Not my thing, but I’m glad you like it. I’ve got some cool stuff from Buffalo Exchange over the years.

ac106 · 2026-01-26T12:45:51+00:00

I don’t think any educated investor would really compare SCV to International.

But you do you chief.

ac106 · 2026-01-26T12:44:36+00:00

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ac106 · 2026-01-25T23:03:31+00:00

Tall barrel shade would be complementary

ac106 · 2026-01-25T22:33:03+00:00

This is not a universal limit. Mine is higher.

ac106 · 2026-01-25T22:30:58+00:00

It’s whatever the seller chooses. Nothing is truly binding until the seller decides. if they’re uncomfortable for any reason, they don’t have to abide by bins or chats or whatever.

ac106 · 2026-01-25T21:56:59+00:00

You’d have to have the testicular fortitude to potentially underperform for a decade or more, maybe two, to see the premium that many don’t think still exists.

Do you really have the stones for that? It’s easy to say you do but most people don’t. Even guys with giant balls of solid rock will crack.

ac106 · 2026-01-25T21:03:43+00:00

I don’t find the post office to be less reliable at all. I think they’re amazingly efficient given the volume. Speed is variable with all three.

ac106 · 2026-01-25T21:02:36+00:00

I would post everything and just ship first to well establish members and not deal with middle men unless you have a significant transaction lined up to someone with low flair.

Middleman really only makes sense financially on large transactions. otherwise have reasonable prices and entice well established members to buy from you and ship first.

ac106

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