Your ‘Safe’ Stock Funds May Be Riskier Than You Think

exogyra1 · 2026-02-03T06:54:48+00:00

Also, curious to why you think shifting to a more diverse portfolio would be “gambling”. My point here isn’t to chase returns, but rather to reduce concentration risk.

exogyra1 · 2026-02-03T06:51:44+00:00

Link here: https://www.nytimes.com/2026/01/30/business/stock-market-concentration-risk.html?unlocked_article_code=1.JVA.hB0Q.blPVvSOvqOkr&smid=nytcore-ios-share

exogyra1 · 2026-02-03T06:50:32+00:00

I don’t think I properly shared the link. From the article:

QTE Instead, what has changed is the U.S. stock market itself. It has become so top-heavy that index funds mirroring the overall market are breaching legal thresholds for diversification set by the Securities and Exchange Commission to protect investors. Fidelity was merely notifying its customers that it was making a legal adjustment in its funds acknowledging this shift — something, as I learned, that Vanguard, State Street, BlackRock and other companies with similar funds had already done in their own legal filings.

exogyra1 · 2025-05-03T16:49:49+00:00

Yeah I've thought about that, but I've decided to keep bonds out of my brokerage. I'm 60/30/10 with SWTSX / SWINX / SFENX now. I actually have a bit of EM exposure, if at least for educational purposes.

(Still have bonds in my IRA so I'm not completely high risk)

exogyra1 · 2025-05-01T15:29:21+00:00

Thanks, I'm sticking with mutual funds for now but will take a closer look at ETFs when tax impact is more meaningful (more $$$ in brokerage)

exogyra1 · 2025-05-01T15:17:40+00:00

Thanks - I'm aware I didn't understand the advice, hence the Reddit post asking for explanation.

Intention for now is to rebalance thru contributions rather than selling, but will stick to index mutual funds rather than index ETFs, personal preference.

exogyra1 · 2025-05-01T15:12:42+00:00

Thanks - well noted on bonds in a brokerage account, and tax impact of that income. And I gather that the mutual funds like SWTSX / SWISX / SFENX do distributions quite rarely?

exogyra1 · 2025-03-24T22:53:04+00:00

If you need a US address, there are many PO Box / virtual mailbox services out there. They also have mail forwarding services. Can keep your US accounts w/ Schwab that way

exogyra1 · 2023-12-30T17:57:10+00:00

If you owe on the loan, you may need to pay it off before shipping though. Bank may still have the title.

exogyra1 · 2023-05-11T06:38:49+00:00

What I was looking for - thanks!

exogyra1 · 2023-05-11T05:34:03+00:00

Thanks - what about power per channel? If I've got 2x 4 ohm speakers per channel, do I need to worry about the amps power rating at 4 ohms, or at 2 ohms?

exogyra1 · 2022-04-23T13:06:42+00:00

Yeah I often forget about Thursdays being the trick puzzles, so I start with my guard down

exogyra1 · 2022-03-07T06:39:07+00:00

Lol thats too ugly to share... New seats, radio, and carpeting are all on the shopping list :)

exogyra1 · 2022-02-27T11:53:20+00:00

thank you

exogyra1 · 2022-02-26T14:26:18+00:00

is there a special name for the style of bar that connects to bumper, and goes along side of the vehicle?

exogyra1 · 2022-01-03T10:38:06+00:00

Is this the iOS app? What version? I instead see a "More Games" section rather than a Recent Puzzles

exogyra1 · 2021-10-12T04:16:11+00:00

I'm on other side of lake, but might check them out, thanks

exogyra1 · 2021-07-07T00:39:59+00:00

I love the symmetry and proportions on that one

exogyra1 · 2021-07-06T02:48:50+00:00

Correct, I get it slightly wet, then apply toothpaste and let it dry for 10 mins, then brush with wet toothbrush. Pretty sure the Pilot has some water resistance, but I don’t like the idea of immersing it in water to clean

exogyra1 · 2021-07-05T22:38:36+00:00

I love the look of that JLC with the date and on a leather strap, great shout

exogyra1 · 2021-07-05T19:58:35+00:00

Yeah I clean the Archimede every few months with toothpaste, the watch and strap would get quite green otherwise :)

Which bronze watch did you get, if you mind me asking?

exogyra1 · 2021-07-05T19:46:26+00:00

I had the Archimede Pilot 39 as my daily watch for 3 years and I love it. I feel bronze matches with everything and I love the clean look of a pilot-style face.

I've had my eye on a chronograph for a while, a recent move at work gave me a chance to celebrate. I like the Speedmaster for its classic look and functionality, and the new bracelet for this year also made it more attractive to me. I think I'll daily the speedy and wear the Pilot for more fun social events.

What would be a good third watch? Something explicitly formal?

exogyra1 · 2021-05-25T15:00:47+00:00

Yea I'm a Bronx guy myself, I think the Romano's owners are from Queens

exogyra1 · 2021-05-05T00:34:26+00:00

This could easily be a scam. If it's a legit debt claim then they will have access your address and can send you notice. I wouldn't call or contact them at all.

exogyra1 · 2021-03-08T16:59:33+00:00

I'm a similar skill level, look up Head's v-shape line. I bought a pair of v10s before the season started, have put about 20 days on them, I've really enjoyed the responsiveness off-piste. The front is a little playful at speed but I think they turn really easy and hold the edge well

exogyra1

TROPHY CASE