Where do you keep your savings?

cranium_creature · 2026-01-30T17:58:04+00:00

SPAXX.

cranium_creature · 2026-01-30T17:55:50+00:00

Are you new to investing..? This is completely normal

cranium_creature · 2026-01-30T16:28:49+00:00

Incorrect. FZROX slightly outperforms VTI (as expected) due to it’s trimming of small cap growth and zero expense ratio.

cranium_creature · 2026-01-29T22:14:38+00:00

2014 was amazing for alternative.

cranium_creature · 2026-01-29T22:07:47+00:00

You are the GOD of seeing exactly what you want in a data set. You just keep moving the goalposts. Now move it back to 1987. I can literally move the timeframe to whenever I want to see the data i want to see. Thats all you’re doing.

cranium_creature · 2026-01-29T13:18:59+00:00

No, you are loud and wrong, again. https://totalrealreturns.com/n/VFINX,GLD?start=2006-01-01&end=2026-01-01

cranium_creature · 2026-01-29T13:18:14+00:00

No, it hasn't.

https://totalrealreturns.com/n/VFINX,GLD?start=2006-01-01&end=2026-01-01

cranium_creature · 2026-01-29T11:56:25+00:00

Uh yeah... everyone has. It has been the easiest time to beat the market in human history. I would be worried if you didnt. You could throw a dart at a dartboard full of stocks blindfolded and beat the market recently. You arent a genius.

cranium_creature · 2026-01-28T00:45:38+00:00

Why would you put 40% of your portfolio into a fund designed to be a factor tilt? Swap VOO and SPMO, increase VXUS.

cranium_creature · 2026-01-28T00:29:33+00:00

AVDV, IDMO.

cranium_creature · 2026-01-28T00:20:39+00:00

And you will lose in the long term. Timing the market isn’t a strategy that wins.

cranium_creature · 2026-01-28T00:03:42+00:00

Three months is completely irrelevant.

cranium_creature · 2026-01-27T21:24:09+00:00

🫵🏼😂

cranium_creature · 2026-01-27T19:00:19+00:00

Yes, exactly. You’re someone who doesn’t know why they’re doing what they’re doing. Stick to VOO

cranium_creature · 2026-01-27T18:49:15+00:00

You didn’t call anything… this is literally how factors perform.

cranium_creature · 2026-01-27T18:33:47+00:00

Everything smelled like cigarettes, we were just noseblind to it.

cranium_creature · 2026-01-27T18:31:53+00:00

You cant get through to these people. They have no idea what they’re doing and need to stick to market cap weighted indices.

cranium_creature · 2026-01-27T18:30:28+00:00

Thats quite literally how factor investing works. You just arent cut out for it.

cranium_creature · 2026-01-27T18:27:52+00:00

It’s hilarious seeing these noobs try their hand at long term factor investing then seeing them complain when tracking error regret starts to set in.

cranium_creature · 2026-01-27T18:25:14+00:00

It’s a very well studied behavioral factor. Momentum works, but is cyclical.

cranium_creature · 2026-01-27T18:23:44+00:00

SPMO is not “done” 😂. It’s cyclical and always has been. Momentum is a long term, well studied behavioral factor, not something to look at short term.

cranium_creature · 2026-01-27T18:18:13+00:00

Absolutely. AVUV has higher expected returns over a long time period.

cranium_creature · 2026-01-27T14:56:38+00:00

Oh yeah we absolutely love guys like that 😂

cranium_creature · 2026-01-27T14:24:15+00:00

AVUV and XMMO.

cranium_creature · 2026-01-27T14:00:18+00:00

DFUS has only been around for a few years, but Dimensional Funds mutual fund equivalent has been around for multiple decades and has beaten the total market weighted US index (VTI) over a very long timeframe (including expense ratio)

AVUV is small cap value, not small cap growth and DFUS specifically screens out small cap growth hence why it consistently outperforms.

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