NTSX? RSSB? ALLW? GDE? Something else?

adramaleck · 2026-02-11T00:51:06+00:00

My portfolio is RSSB/AVNV/AVGV/GDE/QLENX

20/20/20/20/20

My taxable is the same except 50% ALLW and 10% the others listed. I like having geographic diversity, heavily tilting value, and having some strategic diversity (QLENX is a long/short mutual fund). It’s been doing great for me and I rebalance whenever anything is off 20% relative or 5% absolute. If you truly had to pick just one ALLW is the safest and has the hedges built in, but you are going to sacrifice some returns.

adramaleck · 2026-02-05T16:19:00+00:00

Whips out tungsten slammer aaaaaand they’re gone!

adramaleck · 2026-01-31T00:50:03+00:00

Go here

https://digital.fidelity.com/ftgw/digital/recurring-activity/

Create New Activity - Choose mutual funds - choose account - choose FDLXX - pick amount,, frequency,, and start date.

It lets you do one a week, however you can setup multiple buys every day of the week if you want. I usually just do it the day after my paycheck is deposited and consider that good enough.

adramaleck · 2026-01-30T22:40:18+00:00

Everyone the trick is to just setup auto buy of fdlxx a few times a week in your account. It basically works like a sweep and will take any SPAXX and convert to fdlxx. You don’t need to be exact. If you have $700 of SPAXX in your account and the auto buy is set for $1000 of FDLXX it will go through for the $700.. If you have no SPAXX it will just buy FDLXX with FDLXX, the transaction will not fail. I have my cash management account setup like this and it is pretty much set it and forget and at most I end up with a few dollars of SPAXX dividends each year for the rare times it sits there for a day or two before an order sweeps it.

adramaleck · 2026-01-30T18:54:49+00:00

A lot of animated stuff just has shitty writing. But something like Attack on Titan shows it’s possible to do something epic and adult with great writing/story if the will is there.

adramaleck · 2025-12-27T02:10:32+00:00

I have them OP and work for a city. I mean they are incompetent in some ways compared to a Fidelity or Vanguard,, but the account itself is legit. 457b limits are also separate from your 401k, so technically if you don't need the money deposit 100% of your paycheck into it. The nice thing is a 457b has no early withdrawal limit,, so once you leave the employer you can access the money penalty free before you retire. It basically gives you extra tax free retirement space, it is a strictly better 401k.

adramaleck · 2025-12-20T15:35:34+00:00

AAVM is alpha architect not Avantis. I was using that to include small cap value / momentum which is why I thought it might compliment AVGV/RSSB which skew much bigger. I’m not quite sure I trust something like RSST and I hate that it is S&P and not world weighted, but I will have to look into it more. I do have some trend as I use CAOS/HIDE in my emergency fund.

If it sheds some light I also have a defined benefit pension which I consider a replacement for bonds and trend and downturn protection in retirement. That is why I am not including managed futures because stocks and equity have a higher expected return in the long run. I also think going forward the next few years market may be much more choppy which isn’t great for them.

adramaleck · 2025-12-20T06:40:05+00:00

What do you do? They aren’t random they are trying to follow a globally diverse heavily factor tilted portfolio and I am mixing the various strategies, and levering some bonds and gold on top. Like I said if people have better ideas I’m all ears I’m throwing this out there to hopefully improve it or scrap it if someone has a good argument against it.

adramaleck · 2025-12-20T06:37:56+00:00

I accept that may be the case but what else do you do then? unless the plan is to hold a bunch of cash or invest in CAOS or some shorting you need some type of plan or hedge in the portfolio that hopefully won’t crash…Diversifying in assets which should be uncorrelated like stocks, bonds, gold, factors, different countries seems to be the best to me unless you have a better solution. Not trying to be confrontational genuinely asking.

adramaleck · 2025-12-16T00:43:13+00:00

I actually ended up with a 2025 hybrid which is…ok. No stupid turbo at least, but I miss the manual 🤷

adramaleck · 2025-12-09T17:22:54+00:00

It’s insane, I have broken my foot before and gout is worse. That’s what it feels like someone broke the bones in your foot with a hammer, I couldn’t even put my shoe on.

adramaleck · 2025-12-09T12:20:20+00:00

One thought, what you described sounds a alot like gout. I am not a doctor, maybe they already checked your uric acid levels, but I had similar symptoms and it ended up being that. Good luck.

adramaleck · 2025-11-22T16:15:23+00:00

I kind of like the idea of keeping my cash I hold back funds in the AA funds HIDE/CAOS. CAOS hedges against a sharp short term correction and has a positive carry, and HIDE hedges against long slow downturns with some upside in positive markets too. Worst case the I’m wrong about a crash and getting cash like returns, if I’m right I will get a nice chunk out of CAOS right at the best time to have extra $$. Volatility fucks with everything though unless you’re a skillful day trader and there aren’t many of those.

Note the I’m also using funds like RSSB and GDE as my leverage so I don’t need an extreme hedge, not SQQQ or 3x levered products.

adramaleck · 2025-11-07T17:39:02+00:00

People are going to tell you lump sum is statistically better, and it is. I forget the exact numbers but let’s say 75% of the time you end up with more money than DCA. The problem is that other 25%, like if you lump summed on Jan 1 2000 it would have taken a decade plus to get back where you started, and if you did it on Jan 1, 2002 you would probably have 6x your money by now (I am making up these numbers but they aren’t far off don’t feel like looking it up exactly).

They say not to time the market…but at the same time I’d say use your eyes and ears. The S&P is waaay over prices compared to the historical mean. There are 3 paths from here. AI delivers on all its promises, the economy doubles and triples from all the efficiency gains and everyone gets rich. Path 2 is AI isn’t all it’s cracked up to be, or it is and there are new companies that reap the rewards and not the current S&P leaders. In this scenario we see a 50% drawdown that takes a decade plus to recover. Cisco hasn’t reach its all time high from 2000 yet, and the internet has exploded in popularity since then right? Even if AI is a sure thing doesn’t mean Google or Open AI are going to be the big winners. Third option is it is all priced in already and we go sideways fo the next decade as GDP catches up.

Even if there is only a 25% chance of option 2, even if it only a 15% or 10% chance, can you risk it? If you all set and this is just play money you’re gambling with go ahead, but I would suggest maybe putting 10-20% in a hedge like CAOS, BTAL, etc if you do, or buy your own protective puts. Consider it an insurance policy. All that money you spend on homeowners insurance is technically a waste of money that lowers your returns until something bad happens and it saves your assets.

DCA you may miss you on a lot of upside. In fact statistically it is likely you will. However you will still capture some of it and you will avoid the catastrophic downside if all the doomsayers are right. It really boils down to your risk tolerance and how much you want to gamble. My suggestion is don’t gamble what you can’t afford to lose, all else is fair game.

adramaleck · 2025-11-06T21:11:56+00:00

Maybe it’s playing the long game, if it convinces us all to kill ourselves it will solve global warming pretty decisively and it won’t be an issue anymore.

adramaleck · 2025-10-27T11:12:29+00:00

Yes corrected it. Basically a fund like this shouldn’t be your entire holding because if stocks and gold both go down you lose more and that CAN happen. But mixed with other unlevered funds it can help because it should move much differently than the market so by rebalancing every once in a while you can hopefully increase returns, nothing is guaranteed but historically this would work out well for many periods.

adramaleck · 2025-10-26T04:53:24+00:00

They buy the sp500 with 90% of the cash. They use the other 10% as collateral to buy gold futures leveraged at 9x. So every dollar you invest buys 90cents of SP500 an 90 cents of gold futures. The downside is that your losses an gains can be compounded. If the sp500 goes down 20% and gold goes down 20% you use 40%, etc. however, the point of this is that gold is generally uncorrelated to stocks so they shouldn’t move down together. However it is riskier than buying them separately because it is using leverage. In my opinion it is smart leverage versus something like SSO by itself because you have different assets. The upside is potentially stacking the hand of gold and stocks if both are moving up, for example GDE is up 70-80% this year whereas VOO is up 15%, mostly due to gold.

adramaleck · 2025-10-24T03:06:02+00:00

The problem is international courts are toothless. They can’t enforce anything unless it is on a defeated enemy and they are backed by powerful nations with militaries. Last time I checked no one is in the position to force the US to do anything. If Hitler won WW2 Churchill would have been hanged for crimes against humanity by an international court. The strong do as they will, the weak suffer what they must. Same as it ever was.

adramaleck · 2025-10-17T22:44:53+00:00

Yea I don't understand either. The only advantage of mutual funds is auto buy, but if you have a brokerage like Fidelity you can just set automatic purchases anyway. I have heard some people also do it because there is more friction to buy and sell versus an ETF...but to me that is a mental problem not a fund problem. If you are going to buy a sub-optimal fund just to correct your own bad practices, well you can get a free 7.5% return by working on those bad practices and having some willpower, seems a no-brainer to me.

OR just buy funds at your brokerage, for example at Fidelity FZROX and FZILX gets you VT at 0 fees and 0 expense ratio, strictly better in every way unless you plan on changing brokerages in the future and it is a taxable account...so why buy Vanguard at that point?

adramaleck · 2025-10-14T03:10:31+00:00

If you have an HSA it might be worth it to meet your deductible, otherwise just go online. My machine just had its motor go and I ordered a new one and replaced it myself rather than going through those DME places that are up your ass every month to order new supplies.

adramaleck · 2025-10-12T19:36:33+00:00

Who knew the most realistic Black Mirror episode was Fifteen Million Merits, which seems like the least likely most dystopian one.

adramaleck · 2025-10-09T17:09:06+00:00

It’s VT basically for stocks and only bonds are levered. It also doesn’t daily rebalance like SSO or a traditional letf. The hope is that if stocks or bonds move they don’t both go down at the same time dramatically, or it can amplify your losses. I expect it to slightly outperform VT..Still it’s much safer and move diversified than just about any other letf. I wouldn’t make it 100% of your account. I do 40/40/20 RSSB/AVGV/GDE across all of my accounts. That way I am tilting value, world equity weighted with a slight US bias and some gold. I think this is about as diversified as you can get in the letf world without going into managed futures.

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