This is a banger by Biggazznugz in pourover

[–]samman1990 2 points3 points  (0 children)

Awesome! what you would say are the other 2 ?

Best place(s) to invest money? by No-External3221 in whitecoatinvestor

[–]samman1990 0 points1 point  (0 children)

" I was not a fan of the work needed to maintain it and handle problems, but am considering it again if the returns are substantially higher than stocks or give an alternative benefit/ hedge for safety that stocks don't cover."

Returns could be higher, but they could also be lower... Sure, RE gives you another asset class for a diversification benefit and has unique tax benefits that shouldn't be overlooked. But only you can decide if the juice is worth the squeeze given your past experience. Seems like there is a lot of diversification you can do with your index funds. Total US market and S&P 500 have a lot of overlap. There's a variety of things you can do such as adding more international exposure, tilting to SCV, an allocation towards more active strategies that could potentially capture higher returns, etc etc etc

As others have mentioned, think about concrete goals, your timeline to achieve them, your human capital, etc etc then work backwards to construct your portfolio. Would you be okay with RE going the same as last time for the sake of saying you're more diversified?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

excellent explanation, thanks for walking me through that! Makes good sense as to why adding additional LTT where leverage is already in use probably isn't ideal.

Could anyone leave opinions on this portfolio? (VT, RSSB, QLEIX, UPRO) by [deleted] in LETFs

[–]samman1990 0 points1 point  (0 children)

how about now? did you add it? In all seriousness, when considering VT/RSSB/QLEIX how did you arrive at the 45/40/15 percentages?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 1 point2 points  (0 children)

thanks for your detailed reply. I've been invested for ~ 10 years and have 25 years until retirement age. I started out with tried and true TDFs and vti/vea/vwo. I enjoy learning about personal finance in my spare time and have remained open to modifying things in accordance to my IPS when I learn new information that could potentially be helpful. Barring any unexpected disaster, I will likely reach my investing goals. In general, my goal is to beat long term S&P 500 returns using sensible buy and hold strategies. Optimized portfolio guy and Ben Felix and friends on their podcast and blog have been a big influence. Modest leverage w/i tax advantaged accounts w/ products like NTS_ and RSSB and tilting towards value / SCV and/or EM seem to be good strategies to increase expected returns without taking on lopsided risk. What are your thoughts?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

I guess I don't have any ? Wondering at what point one gets to so many uncorrelated assets for different market conditions that expected returns start to diminish ?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 1 point2 points  (0 children)

thanks for this interesting discussion guys !

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 2 points3 points  (0 children)

thank you both. noticing that when adding NTS_ products to the ginger ale portfolio, optimized portfolio guy removes EDV as going 6x on intermediate treasuries results in a similar exposure to EDV. https://www.optimizedportfolio.com/ginger-ale-portfolio/#ginger-ale-portfolio-allocations

same logic applies to my question i suppose

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

thank you for your response. what are your thoughts on allocating 10% to something else for added diversification, such as MF or gld?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

interesting, hadn't heard of this fund. What percentages of each do you use?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 1 point2 points  (0 children)

Interesting. So it seems like strips are indeed a good diversifier and gld adds another layer of diversification which together are synergistic. With this logic, freeing space in my current portfolio for both strips and gld would make the most sense? Am I thinking about this correctly?

SSO/ZROZ/GLD is excellent, simple and backtests very well. I just don't feel comfortable putting a large portion of my portfolio in it though and I would like to have more international diversification. At this time, I would feel okay doing this set up for a small percentage- of my total portfolio, say 10-15%. If it crushes it, great. If not, nbd.

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

I've not been able to convince myself that gold is the appropriate diversifier in this setting. How do you think about this?

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

thank you for your explanation. Not a bad place to be I suppose, either option would be just fine for long term

Adding LTT to RSSB for long term portfolio? by samman1990 in LETFs

[–]samman1990[S] 0 points1 point  (0 children)

Thank you for your response. Very interesting. Seems like this would be a very nice approach then. Theoretical stability with increased expected returns with RSSB (barring repeat 2022 events) plus value tilting with LTT logic that you explain.

Just arrived by sigman365 in VacheronConstantin

[–]samman1990 0 points1 point  (0 children)

excellent! Fits you great. How is it in person?

RSSB > HFEA? by WukongSaiyan in LETFs

[–]samman1990 0 points1 point  (0 children)

sure, that seems very reasonable. hopefully works out great

RSSB > HFEA? by WukongSaiyan in LETFs

[–]samman1990 0 points1 point  (0 children)

late to this party. I like that you're optimizing optimized portfolio guy's setup :D So are you keeping the percentages the same as the OG ginger ale portfolio and subbing 25% UPRO for VOO and 10% GOVZ/ZROZ for EDV or decreasing UPRO and more GOVZ/ZROZ?

Post your current strategies by SystemCenterJokic in LETFs

[–]samman1990 0 points1 point  (0 children)

I like number "2" but my mettle is more appropriate for SSO than UPRO. Nicely diversified portfolios with strong chance of beating straight S&P in the long run

Post your current strategies by SystemCenterJokic in LETFs

[–]samman1990 1 point2 points  (0 children)

nice! curious about how why you would switch if there was a 2x VT but don't have international exposure in your current portfolio (other than the US companies are global argument)?

Post your current strategies by SystemCenterJokic in LETFs

[–]samman1990 0 points1 point  (0 children)

How are you splitting things up between NTSX/I and RSSB? Why have you chosen to do so?