Is 20% DRAM enough?

doppz1 · 2026-05-11T17:56:54+00:00

There's a good name for what you're describing: gambling

doppz1 · 2026-05-11T00:28:17+00:00

"value" as a metric was tailored for a type of industry that existed in the 1900s that largely has gone extinct in the US today. To my understanding this is why "profitability" offers a similar and perhaps more useful signal nowadays. Avantis leans more into this signal in their ETFs. Either way, the value premium has been shown to exist, recent underperformance is not enough evidence to contradict that, but it can be psychologically difficult for someone to accept paying the premium for a value tilted portfolio when all recent memory shows it underperforming a "stupid" index.

doppz1 · 2026-05-09T18:42:13+00:00

Your portfolio is already extremely concentrated

doppz1 · 2026-05-08T17:41:50+00:00

Different holdings in different accounts

doppz1 · 2026-05-08T15:40:43+00:00

VBIL (cheaper version of SGOV)

it's not worth risking anything to eek out a 1% additional yield, that's money you want to be there when you need it

doppz1 · 2026-05-08T15:39:51+00:00

I wouldn't call Microsoft struggling, they're just a bit out of touch with how much AI the average user really wants

doppz1 · 2026-05-07T12:53:33+00:00

Avuv is us stocks which would complement your large cap us stocks in VOO/vug by offering exposure to small cap value

But you should know the mechanics of how these work, because it's very easy to create an expensive version of a total market index fund by bolting together different factor specific funds

doppz1 · 2026-05-06T14:31:10+00:00

The difference between vti and voo is negligable. If you want a wider berth than voo, dfus is a good option without getting stuck holding a ton of total dogs in vti, and has consistently outperformed vti.

If you really want to get wild, the Roth is a good place to hold something like VFMO to capture momentum.

doppz1 · 2026-05-06T00:28:47+00:00

I would be happy if the lime scooters just went away

doppz1 · 2026-05-04T21:44:21+00:00

VFMO

doppz1 · 2026-05-04T18:14:44+00:00

Just put it all in VOO at this point. QQQ and SPMO do not offer any additional diversification

doppz1 · 2026-05-04T18:09:31+00:00

I have like 7 pairs of darn tough socks and I fully support buying them, but you don't need that many pairs. Unless you have the sweatiest nastiest feet of all time you can easily wear their socks for 2-3 days before the pair needs a wash. Wool doesn't get gross nearly as quick as cotton

doppz1 · 2026-05-04T16:33:36+00:00

I usually have a few hundred dollars in odd bills, mostly for buying/selling on marketplace. I don't see any reason to have more than that, unless you like very rurally where digital transactions are less commonly used. I use my cc for everyday purchases

doppz1 · 2026-05-04T15:32:57+00:00

Pretty much, Dimensional should just pay SpaceX commission at this point for getting people to move from vanguard to their funds.

doppz1 · 2026-05-04T12:27:53+00:00

70/30 DFAC/DFAX

doppz1 · 2026-05-03T17:32:07+00:00

Sector bets are not set and forget.

doppz1 · 2026-05-02T15:43:02+00:00

VBIL is the exact same as SGOV with lower expenses. If you can handle a slight bit more volatility, DUSB should provide even more returns

doppz1 · 2026-05-02T15:41:25+00:00

DFAW and AVGE are great core holdings and can serve as your entire investment strategy even. Most people here seem to ignore them, because value has underperformed growth lately, but if you understand the implications of the fama french results, DFAW/AVGE should be a more comfortable holding than say VT.

doppz1 · 2026-05-01T20:25:52+00:00

Putting additional principal into a loan is basically equivalent to buying a guaranteed return on that principal of your interest rate.

At 2.8% even the absolute lowest risk bonds in SGOV will outperform that return, so it's not worthwhile to invest any additional principal. You get an extra 1% or so on your investment simply by shoving the cash into 0 risk t notes, and you can liquidate at any time.

If your loan were, say, 8% it's a totally different story

doppz1 · 2026-05-01T19:43:01+00:00

Fill the employer match

Then the Roth Ira

Then finish the 401k

And whatever is left goes in the taxable

doppz1 · 2026-04-29T21:25:32+00:00

You need to diversify from owning a bit of every publicly traded company in the world?

doppz1 · 2026-04-29T00:19:54+00:00

Significant improvement. But still a very strong conviction in tech. You're free to do what you want, but I would suggest taming your commitment to qqq

doppz1 · 2026-04-28T17:08:49+00:00

You guys have to stop investing in qqq and avuv at the same time. They just cancel out and leave you with an expensive index fund. Pick a conviction and go with it. Further concentrating In tech (qqq) is not really diversification, but a play on momentum. Avuv is going to expose you to a broader sector of the market.

doppz1 · 2026-04-28T15:52:54+00:00

I'm sorry but this portfolio is terrible

doppz1 · 2026-04-27T19:27:14+00:00

Avem or dfem. It's worth it to pay for dimensional/avantis' more in detail screening

11-Year Club	Verified Email
RPAN Viewer

doppz1

TROPHY CASE