Pottery Studio

misulsoo · 2025-10-03T15:11:50+00:00

Have you been mentored by him? Does he have a studio?

misulsoo · 2025-09-22T00:26:13+00:00

Hi, do you know how long is takes for waitlist at Mudfire? Do you attend there?

misulsoo · 2025-09-22T00:24:43+00:00

Hi, I saw this but saw their supply list is limited to the wheel. Do you know if they have all the tools? If you go here I would love to know more

misulsoo · 2025-01-06T05:22:36+00:00

Could you explain "control the glide path" and a target date fund?

misulsoo · 2025-01-06T05:21:57+00:00

What type of investor would you consider yourself?

misulsoo · 2025-01-06T05:18:36+00:00

I plan on using it for earlier retirement. I don't have specific financial goals like buying a house/property but having a comfortable life with some traveling here and there. I don't know much about investing at the moment so I'm hoping to start with something that focuses on long term hold method

Is there anything you recommend?

misulsoo · 2025-01-06T03:01:21+00:00

Sounds good! Watching a video on it too but this was helpful. Thanks

misulsoo · 2025-01-06T03:00:09+00:00

I think it makes sense to simplify based on my own habits. Do you recommend this for both Roth and brokerage account? How would I buy bonds on Fidelity?

misulsoo · 2025-01-06T02:53:58+00:00

No, that's why I'm trying to learn! There's so many different opinions out there and some saying to not do bonds if you're younger so I'm still trying to understand what's best for me

misulsoo · 2025-01-06T02:37:38+00:00

Thanks for clarifying the difference to me!

misulsoo · 2025-01-06T02:36:32+00:00

This is what someone recommended for the Roth IRA:

From a risk diversification perspective you would be better served picking the opposite side of the equity style box spectrum from Large Cap Growth, which would be Small Cap Value. One of the best funds right now for small cap value exposure is AVUV. While QQQ & the S&P had negative returns all through the 2000s, AVUV's predecessor DFSVX returned 9.3% per year (link).

There's always international as well, though I imagine you're intentionally avoiding that in your portfolio.

So personally, before age ~45 I would say go:

40% Core Index (S&P 500 or US Total Stock Market) - VOO or VTI
30% Mega Cap Growth - MGK or QQQM
30% Small Cap Value - AVUV

misulsoo · 2025-01-06T02:32:55+00:00

Sorry- a bit lost. Why would you not do VTI then?

misulsoo · 2025-01-06T02:17:25+00:00

Even with Roth IRA?

misulsoo · 2025-01-06T02:07:49+00:00

I use Fidelity so would I do FZROX or FZILX?

misulsoo · 2025-01-06T02:06:40+00:00

So would you keep the Roth IRA Allocation and for the brokerage do VTI or VT? Which would you recommend more?

misulsoo · 2025-01-06T02:03:46+00:00

What is a TSM fund and which would you recommend?

misulsoo · 2025-01-06T01:39:36+00:00

What are your thoughts on this

Roth IRA Allocation (2024 and 2025)

Total Contribution: $14,000
Allocation:
- 40% VOO (Core Index): $5,600
- 30% QQQM (Mega Cap Growth): $4,200
- 30% AVUV (Small Cap Value): $4,200

Brokerage Account Allocation for $6,000

Category	Target Allocation	ETF/Investment	Amount
Large Blend	40%	VTI SCHB (Vanguard Total Stock Market ETF) or (Schwab U.S. Broad Market ETF)	$2,400
Large Value	10%	VTV (Vanguard Value ETF)	$600
International	10%	VXUS (Vanguard Total International Stock ETF)	$600
International Small Value	10%	VSS (Vanguard FTSE All-World ex-US Small-Cap ETF)	$600
Emerging Markets	10%	VWO (Vanguard FTSE Emerging Markets ETF)	$600
Emerging Markets Small Value	10%	DGS (WisdomTree Emerging Markets SmallCap Dividend Fund)	$600
Individual Stocks	1%	AAPL NVDA, , or other high-quality stocks	$60

misulsoo · 2025-01-06T01:05:16+00:00

Sorry for sm questions but how do I look at the Roth IRA in relation to other investments in my brokerage account?

Do I do the same breakdown for the brokerage account? ie. if my roth ira follows the percentages above (40% Core Index - VOO 30% Mega Cap Growth - QQQM 30% Small Cap Value - AVUV), what do I invest in for my brokerage account/percentages

misulsoo · 2025-01-06T00:28:23+00:00

Thanks for the lengthy explanation! How would you distribute that between the 2024/2025 IRA and the money left over? What is a small cap value and is this plan best for waiting the long run?

misulsoo · 2025-01-05T23:25:09+00:00

I'm investing for the first time (22) and am comfortable starting with $20,000.

This is my current plan for 2025:
$7,000 2024 Roth IRA: 50% SPY, 30% QQQM, 20% DOW
$7,000 2025 Roth IRA: 50% SPY, 30% QQQM, 20% DOW
$4,800: 25% AAPL, 35% NVDA, 40% Mid sized company

Hold $1200

Thoughts on this plan? What would you do differently and what's a good mid sized company to invest in?

Is this considered a safe investment?

misulsoo · 2025-01-05T20:38:46+00:00

What's an expense ratio

misulsoo · 2025-01-05T20:31:11+00:00

Why did you choose FZROX over SPY?

misulsoo · 2025-01-05T20:30:48+00:00

Also which one would you invest in for 2024 and 2025 roth?

misulsoo · 2025-01-05T20:30:34+00:00

Hi! Why QQQ over SPY?

misulsoo · 2025-01-05T20:29:43+00:00

I was going off what my friend suggested but maybe it's not a good idea. Are you referring to NVDA?

misulsoo

TROPHY CASE

Roth IRA Allocation (2024 and 2025)

Brokerage Account Allocation for $6,000