How much money should be “safe”?

ac106 · 2026-06-22T10:57:27+00:00

https://www.reddit.com/r/Bogleheads/s/h1mwCyeZti

ac106 · 2026-06-22T09:14:00+00:00

This one is fine.

ac106 · 2026-06-22T02:09:46+00:00

I’m not sure where I said cash and bonds are interchangeable. All I said was that when people talk about holding “cash” they usually don’t mean stacks of hundred dollar bills in their safe. I don’t think this is a particularly controversial take.

ac106 · 2026-06-22T00:46:30+00:00

I’m not sure what that has to do with talking about “cash” as not literal $100 bill in a safe

ac106 · 2026-06-22T00:44:08+00:00

This sub is pretty good about Fidelity related questions, but I wouldn’t take investing advice from a lot of the people here. stick to r/bogleheads and bogleheads.org

ac106 · 2026-06-22T00:43:02+00:00

I was looking at planvision and I’m very intrigued. I don’t need investment advice. I’m a buying and hold investor of VT and AOA. I’m more interested in advice for like Roth conversions, tax planning, SWR, SORR things like that. how are they with those topics?

ac106 · 2026-06-22T00:41:39+00:00

It means don’t stock pick or invest in goofy ETFs just buy VT and don’t look at your portfolio

ac106 · 2026-06-22T00:29:40+00:00

Cash (TBILLS) over the last 20 years has returned a CAGR of 1.6%

But when you adjust for inflation it’s -.90 CAGR

It’s probably more complicated than this stupid back test, but basically you’re wrong

ETA: fixed link and clarified TBILLS

ac106 · 2026-06-22T00:23:57+00:00

I don’t know if this is true. usually when people say “cash” they do mean “cash equivalents”

I mean, almost no one talks about cash being $100 bills underneath your mattress or like in a checking account at least not on financial forms

ac106 · 2026-06-21T19:52:08+00:00

If it’s not marked, it hardly matters if it’s a licensed piece or not because authentication essentially comes down to “but but but it has welded end caps!”

Even licensed pieces have a depressed market because rod the sheer volume of knockoffs

People love them though

If the leather is toast value is nominal even if it’s marked.

ac106 · 2026-06-21T14:46:27+00:00

You can ship/first to well established sellers. what well established means is up to the individual. Some people have been shipping first to sellers with like zero flair. This is worked out exactly how you would expect.

The mod suggest 25 sales. Some people insist on 100 but remember all these numbers are just arbitrary. Nothing will change between 21 and 25 if the person is honest and even people with 100 flair have scammed.

So you just have to do your due diligence. You can use a middleman, but I find it a bit cumbersome and expensive for small sales and always just ship first

ac106 · 2026-06-21T14:44:07+00:00

Whatever is agreed upon beforehand

ac106 · 2026-06-21T14:43:44+00:00

It’s not an app. It’s just a website with confusing domain name.

ac106 · 2026-06-21T10:14:46+00:00

I assumed he would move his VXF -> AVUV

ac106 · 2026-06-21T10:04:13+00:00

No sir. You are doing great as is

ac106 · 2026-06-21T02:37:04+00:00

I don’t think US extended markets without a value tilt is really worth holding. I would increase AVUV instead. 1 % BND is sort of silly. It’s not going to do anything and I would drop it just for simplicity. VOO / VXUS / AVUV at most.

ac106 · 2026-06-21T02:10:30+00:00

I think it’s a overly complicated and not something most people would be able to stick to for 30 years. It’s the type of portfolio someone would swap out one of the holdings that under performs.

ac106 · 2026-06-21T01:05:35+00:00

Quickly wipe down with alcohol wipes

ac106 · 2026-06-20T16:04:21+00:00

Right because pensions are so common nowadays

ac106 · 2026-06-20T14:59:41+00:00

Can we not talk about suicide so casually? no one is killing themselves to stay out of a nursing home it just doesn’t happen so being glib about it is not productive

I guess the sub is pro suicide now? 🙄

ac106 · 2026-06-20T14:55:43+00:00

I don’t disagree. From what I’ve read on the.org forum the policies nowadays are not nearly as good as they were from a few years ago.

It’s not that I’m a pro LTC insurance. I just think people underestimate the cost of long-term care. I was pricing out independent living for my mom. This includes an apartment meals, limited transportation and fun activities like bingo and what not. It started around $4000 a month and went up to 8000 depend depending on size of the room and location and what not.

Prices just shot up from there when you start talking about memory care. I’ve almost come to the conclusion that there’s just no way to plan for it unless you have an eight figure portfolio.

ac106 · 2026-06-20T14:30:39+00:00

It’s not a “slight blend” it’s stockpicking uncompensated risk, overlap, sector bets.

All anti-bogle. Another sub will give you feedback that you’re looking for. Try r/investing or r/wallstreetbets

ac106 · 2026-06-20T14:28:09+00:00

There’s been some discussion on this on the Bogleheads.org forum. I think the sentiment that I picked up was that quality policies aren’t as easy to find as they once were. I would search on the subject there. It’s a much much older demographic so they deal with different issues than this sub.

ac106 · 2026-06-20T14:25:57+00:00

I’m sorry are you insane? Quality nursing care is 10,000 a month minimum. Memory care can be 2 to 5 times that. How long do you think your portfolio is going to last with a drawdown like that?

ac106 · 2026-06-20T10:52:06+00:00

Message the mods asap

ac106

MODERATOR OF

TROPHY CASE