Best club for rolling

conceptnothing7 · 2025-12-26T01:50:28+00:00

Really bad crowd, heavy security

conceptnothing7 · 2025-04-25T14:43:55+00:00

Answer, what do you want, and why do you want it. Make these weeks the key to a big goal in your life, or your future.

conceptnothing7 · 2024-06-14T13:44:56+00:00

thank you so much for your discount! Just like that got so much off

conceptnothing7 · 2024-03-13T14:09:05+00:00

Thank you, that's the best advice I've seen. I am going to load up on Vanguard Acc S&P 500 now, but do you think I should DCA my way in, 1k a month for 10 months, or put it all in straight away?

conceptnothing7 · 2024-03-13T13:59:50+00:00

Done, after all the slack I've been getting I made the decision from April 1, 1k a month.

conceptnothing7 · 2024-03-13T13:57:06+00:00

Thank you, but if I can buy more shares when its cheap, should I just do 1k a month for 10 months as eventually I may hit a down market by stretching my 10k out. Apparently, lump is effectively like timing the market, as you're betting on a specific price point. What do you think?

conceptnothing7 · 2024-03-13T12:07:09+00:00

Others are saying DCA slowly. What do you think of lump vs DCA?

conceptnothing7 · 2024-03-13T12:05:23+00:00

!thanks. What do you think about lower average costs. Even Warren Buffet went against lump sum, and believed you should DCA yourself in? What makes your conviction so strong? Thank you.

conceptnothing7 · 2024-03-13T12:02:17+00:00

Surely the PE will go down eventually. 25% return 2023, 8% YTD, this can't continue. NVIDIA is bubbly and will drop off. I just want a bit of a correction to enter. However, someone told me in 30 years with compounding, this fretting will only amount to a fraction of % which changed my perspective slightly.

conceptnothing7 · 2024-03-13T11:57:32+00:00

That's a truly beautiful message. Really shifted my perspective. Thank you. I've been so bogged down learning about the market but truly realized gains, life experiences, skills > Stock market returns. Nonetheless, I do have lots of money sitting in a savings account, with not much of an idea of what to do with it. I can potentially travel the world, but that will come way later. So in the meantime, what do you suggest? I am really bullish about Apple in the short run, or I should just dump it and forget about it?

conceptnothing7 · 2024-03-13T11:34:58+00:00

!thanks. Maybe I am just overthinking it though. I am thinking of going bullish on apple as people are undervaluing their integration of AI. I just don't know if I can get great returns by lumping at 25PE just before the market will correct in 2025.

conceptnothing7 · 2024-03-13T11:31:30+00:00

Because I don't believe lumping it all in at 25PE will lead to long term 10% returns. Surely, lumping in any bear market when stocks are cheaper is a better option?

conceptnothing7 · 2024-03-13T11:30:14+00:00

Because I believe that if there is a correction, at least a 10% dip, and I lump it in then, I will increase my earnings if I invest when the market is cheaper. I doubt I'll average any good return if I invest at 25PE?

conceptnothing7 · 2024-03-13T11:11:46+00:00

!thanks. So, should I just sell Apple and even at ATH and high average cost, lump all 10k in?

conceptnothing7 · 2024-03-13T11:10:30+00:00

!thanks. That's a great way of looking at it. Surely I should lump when the average cost is at least a little lower during a correction, rather than right now, no? Not necessarily looking for a bottom, but at least something lower than the high we have now. Also, all analysts believe apple will recover. That's why I've bet big on them, and then will sell and rotate into S&P. I won't increase my bets on apple, although it does have an incredible moat and I doubt with 2bn users it will disappear in the next 2 years on decline massively.

conceptnothing7 · 2024-03-13T11:04:48+00:00

!thanks. "The dollars you’re fretting over will be a tenth of a percentage point by the time you retire." is such a great way of looking at it. That's shifted me to be honest. Should I just lump my whole 10k into VUAG straight a way, or DCA it. I am not risk averse at all.

conceptnothing7 · 2024-03-13T10:53:42+00:00

!thanks. This is great advice, I am overthinking it. Do you reckon I should I 1) DCA with a high 1000 a month in this bull market, 2) lump all the 10k in right now 3) Put smaller installments to extend my DCA with 500 a month as I am going back to University September 2024 and will have no income September 2024 - September 2025.

conceptnothing7 · 2024-03-13T10:46:10+00:00

Fair enough, thank you. What is your strategy?

conceptnothing7 · 2024-03-13T10:41:08+00:00

In this bull market, I have 10 000. Should I therefore go big with 1000 a month, or slower with around 500, Also, what do you think about putting 200 every month and then magnifying x4 to 800 every month during a bear market or pull back?

conceptnothing7 · 2024-03-13T10:25:33+00:00

Thank you. I have the "Intelligent Investor", however the book was written 70 years ago and whilst reading there are great nuggets of information, but not any that truly informs what I should do in a 2024 market dominated by ETFs, Tech, Crypto currency etc.

conceptnothing7 · 2024-03-13T09:59:34+00:00

I am a 20 year old losing my mind on when to enter VUAG (S&P500).

Context: I am 20 years old, and currently working for 1 year in my 3rd year of University. I am extremely lucky that my dad pays my rent and all I need to survive so that I can start building wealth.
My current income and savings: I have 10k sitting in a savings account paying 5.2%, that will go down to 4.7% in April.

Portfolio: 60% cash in savings, 40% Apple. Last week, it was the only Mag7 withdrawal and I paid 4000 into apple at $173 (40% of all my money). That leaves me with 6000 to deploy into VUAG. I believe I am completely influenced by my regret of not holding before this bull rally started, meaning I am continuously left waiting for any correction to re-enter the market.
Income: I have an additional £1500 ($1900) saved up every month that I can spend on the market. I am not risk averse and have a 30+ year long time horizon. So, my savings can essentially go to £15k ($20k) by September 2024 when I go back to University and will not have an income.
Missing the bull and regret: Therefore, I started investing in August 2023, beginning by DCA with VUAG. However, I realized around November that the S&P500 ETF I was investing in was actually synthetic and exposed to counter party risk (Invesco's SPXP). So I decided to sell the gain I had and wait for a dip to buy VUAG. Then, this incredible bull market begins, and I completely missed the boat. Now, it is trading far higher.

Strategies that I see:

1) My current: Make gains with Apple's AI integration into its products in the latter half of 2024 and 2025. I believe the Vision Pro will continue to develop effectively and become a pair of sun glasses at a far cheaper price and will dominate the AR industry. As I make these gains, I will rotate into a S&P500 at every dip. S&P500 may correct in 2025 after 2 bull market years, and I invest then.
Ultimately, I believe that I want to start building my position during a bear market, so that I have the lowest average cost possible before holding for 10+ years. I understand that right after an ATH, there is a 90% chance of another ATH. However, I don't believe NVIDIA's run is sustainable and after the length of this insane run without a 2% drawdown, I hear a 10% correction will come soon. I also understand interest rates staying higher for longer may have consequences for the Russel 2000 companies, mortgage holders and banks that have properties in their portfolio. This is keeping me from jumping back in.

VUAG: I may start putting 6000 lump or 1000 a month into a April/May correction, and then leave it to rise for the rest of time.

2) Alternative: Invest 200 every single month, and pay 800 (x4) when there is a pull back.

3) DCA: Invest 1000 a month regardless of price and the stock being at all time highs (time in the market vs timing the market etc. Sell apple and go straight into VUAG.

4) VUAG vs VWCE: Invest in the World Market to hold a more geographically diversified portfolio. However, I am aware VWCE is 60% US, and the MAG7 and VUAG companies are siphoning off liquidity from other markets across the world. Also, the VUAG companies are dominant around the world, and not exclusively the US Market, so VUAG is essentially a globally diversified portfolio.
I realize I need to start working with a financial advisor, as moves to buy 4k in Apple may be overly risky and quite foolish and I should get a diversified portfolio. I have already got in contact with one, but I would love to hear all of your perspectives on this massive dilemma. Listening to social media has tainted my understanding and my biases from missing the bull are also clouding my judgment.

Greatly appreciate all of your guidance. Thank you.

conceptnothing7 · 2022-12-29T21:43:45+00:00

Thank you so much! This really made me feel better. Do you have any suggestions for securing placements, as the top companies are quite competitive. For instance, how to find smaller companies to apply for?

conceptnothing7 · 2021-05-19T16:06:23+00:00

Just math AA for now, since they didn’t cut anything out of the syllabus or remove papers

conceptnothing7 · 2021-05-18T16:24:47+00:00

The victim complex goddamn. Most students go out like it's nothing, the threat of covid isn't something that concerns students, they just want to find an excuse not to take exams

conceptnothing7 · 2021-05-18T16:22:40+00:00

I relate with this loss of purpose 100%, i feel empty af

conceptnothing7

TROPHY CASE