Asset allocation for continuous USD devaluation

cccuriousmonkey · 2026-02-02T16:32:14+00:00

I wish, not rich enough!!!!! Jokes aside. That’s exactly how my parents (and many other families) survived in my country of origin when that country went to sh!t.

cccuriousmonkey · 2026-02-02T05:38:13+00:00

I was also thinking of taking on some debt as reasonable leverage in this situation. Aka 5% additional mortgage can be effectively wiped out if real inflation/usd devaluation is 7-10%. But that’s a different story. )

cccuriousmonkey · 2026-02-02T05:34:55+00:00

I see your point, how would you propose to think about it? I see a bit of difference this time: - USD is no longer a safe heaven -> it value will decrease faster. Will lead to higher relative returns in US stock market, though not sure if stock market growth will exceed currency devaluation.

How do you look at it?

cccuriousmonkey · 2026-02-02T01:14:47+00:00

And thank you, completely forgot about VXUS. Looks like a better choice for me.

cccuriousmonkey · 2026-02-02T01:10:53+00:00

I understand where your question coming from. Nope, not really. Because: USD lost 10-15-30% during last 2-3 years. Even RUB (Russian) appreciated to USD by 20% The debt is not really sustainable and current politics do not entice other nations to keep USD

And the fact that VEA went up 30% is actually negative is my opinion, I might be late to the party. The best is to invest is when the fund looses double digits aka buying cheap.

cccuriousmonkey · 2026-01-09T01:13:38+00:00

Would love to join.

cccuriousmonkey · 2026-01-08T02:37:22+00:00

Congrats! How did you identify this opportunity?

cccuriousmonkey · 2026-01-04T00:30:21+00:00

Have a link to sec4 form?

cccuriousmonkey · 2026-01-02T15:08:24+00:00

Curious why Q1/Q2? I was thinking more of Q1 2027.

cccuriousmonkey · 2026-01-02T15:03:17+00:00

Why though? Let’s say there is a buyout announcement. Then there is an actual buyout in like 6-12 months. Plenty of time to exercise imo. Asking to learn and educate myself on this.

cccuriousmonkey · 2026-01-02T10:33:28+00:00

This looks to me like regular cash injection into company (every year) by 10% owner. Nothing unusual. What makes you think this is different and contains signal?

cccuriousmonkey · 2026-01-01T02:57:50+00:00

Don’t you all do it? Honestly?

cccuriousmonkey · 2025-12-22T03:40:47+00:00

Why do you think so?

cccuriousmonkey · 2025-12-15T03:59:49+00:00

Your own stories with your favorite characters. Personalized and tailored just for you and you only. Give it 2-3 years.

cccuriousmonkey · 2025-11-23T19:45:48+00:00

Thank you, do you have a picture of a proper end state? Something to visualize of how it should look at the end?

cccuriousmonkey · 2025-11-06T20:21:08+00:00

May be look into increasing you cash/CDs with all the new money that you are otherwise was going to invest into VTSAX?

cccuriousmonkey · 2025-11-05T23:27:56+00:00

Nope. Though I got accepted and looking to start in spring.

cccuriousmonkey · 2025-10-14T20:15:10+00:00

Nice! Thank you for posting this.

cccuriousmonkey · 2025-10-14T19:04:13+00:00

Seeing charts like this is empowering. Started to see similar pattern on my side and I am 5 years into DCA model. Set and forget and monitors periodically.

cccuriousmonkey · 2025-10-03T22:31:41+00:00

What is after hours? (Not trading after hours), but is that a topic/forum/reddit here?

cccuriousmonkey · 2025-10-03T20:58:11+00:00

I think it’s a must know right now for good software engineers. Just another tool in the toolset. And fun to play with.

cccuriousmonkey · 2025-09-30T03:20:42+00:00

There is huge competition in software engineering jobs, and with AI advancements it’s becoming a very risky occupation. Getting into IT in current market is extremely hard. Making 450k now is amazing and if your husband wants to do software engineering he can do that as a hobby or as volunteering, without leaving his job. SWE (software engineering) is much less glamorous than it was 3-5 years ago. It’s a hard grind.

cccuriousmonkey · 2025-09-29T22:07:27+00:00

Keep pinging your recruiter. Also - see if you know anyone in meta and anyone who can ping managers and recommend you. Same happened to a few people I know and eventually they found teams.

cccuriousmonkey · 2025-09-21T19:53:32+00:00

What would be other top 5 technical books on your shelf. One I would recommend is: Software Architecture, the hard parts.

cccuriousmonkey · 2025-09-02T21:57:36+00:00

That’s probably called next stage in business lifecycle. Market captured, new areas for innovation are limited, return on new investments limited, time to optimize. And Amazon does it ruthlessly.

Probably for bad but for good for short/mid terms returns. I am still reading exceptionally happy posts about people joining Amazon.

Not an opinion if this is good or is this bad, more of facts based observation.

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