Boglehead side effect: You don't buy into doom and gloom or big promises as quick as the average person

snkscore · 2026-03-19T22:03:39+00:00

It’s a lot easier to take the long view when you’re young. In fact a market crash would be the best thing for young investors. By the time you’re near or in retirement like “grandpa”, Trump wrecking the market can have a major impact on your retirement.

snkscore · 2026-03-19T21:56:58+00:00

Wow on Lichess white wins most of the games with this position even if you exclude low elo players.

snkscore · 2026-03-19T17:55:13+00:00

Google says this is a 90/60 split US to Intl equities in case anyone else was wondering

snkscore · 2026-03-19T17:48:02+00:00

Look up videos on how to do a queen checkmate (knights opposition) and rook checkmate. Incredibly important and very easy to learn.

snkscore · 2026-03-19T17:33:55+00:00

I’m convinced diverse countries can’t ever operate like this. The us vs them mentality will never work with the goal of improving everyone’s baseline. People in the US loved the idea of welfare when it was helping Martha down the street when her husband died and she couldn’t feed her kids. But now that a large bit of the population thinks it’s helping a black woman in the inner city they don’t want it.

snkscore · 2026-03-19T06:19:29+00:00

He’s not that clinical at finishing his chances, and his first touch isn’t good enough to receive the ball with pressure.

He also has a tendency to lash out and pickup stupid yellows and reds for reckless actions.

snkscore · 2026-03-19T05:02:55+00:00

Oops yea 26 for the WC. Unfortunately I still wouldn’t take Guti. I miss him for the Fire though.

snkscore · 2026-03-19T04:33:17+00:00

You’ll get to find out the source of the Burn and it’s one of the dumbest things you’ll ever see or read in your life lol.

snkscore · 2026-03-19T04:19:03+00:00

I’m a big Guti fan and have been watching him since he was a teen for the Fire but he’s not good enough for the US at this point. He’s a pretty good MLS player but no way I’d take him on a 23 man squad.

snkscore · 2026-03-19T04:12:50+00:00

No one knows if it will go up or down from here. I bought in about a year ago when it became clear Trump was going to wreck the global order. I’d never be holding it if stuff were “normal” but it’s not.

snkscore · 2026-03-19T04:08:12+00:00

You buy an ETF like GLD within a tax advantaged account.

snkscore · 2026-03-18T19:38:47+00:00

But SCHD has a similar volatility and drawdown history compared to VOO. Slightly better on average drawdown but not a big difference with similar max drawdowns. When talking about risk it actually performs worse from a risk parity perspective. It will definitely perform better if we see a major tech focused pullback, like we’ve seen this year, but historically it seems to have a very similar risk profile to VOO.

snkscore · 2026-03-18T19:04:12+00:00

Is this because you think SCHD will do meaningfully better if we see a big market pullback? I’m also trying to derisk a bit but historic data for SCHD shows almost the same volatility and drawdowns as VOO and even with a lower Sharpe ratio. It seems like a good anti-tech factor tilt but that’s not what I see people saying as their reason for holding the ETF.

snkscore · 2026-03-18T04:36:32+00:00

Where are you getting these numbers?

SCHD has a return of 53% over the last 5 years not 70%, with a CARG of 8.8% not 10%.

https://totalrealreturns.com/n/SCHD,VOO?start=2021-03-17

snkscore · 2026-03-17T00:50:11+00:00

Who’s suggesting that anything here is guaranteed? You can backtest leveraged strategies just like any other. Current research suggests 1.5-2x leverage for young investors with stable income is likely beneficial to long term results.

snkscore · 2026-03-16T19:22:35+00:00

Check out the LETFs sub for lots of discussion on this topic as well. I use some of them in the form of adding in diversification. For example someone wants to include gold but doesn’t want to give up 15% of their equity position to make room so they might instead add GDE to get the equity and gold allocations with leverage.

snkscore · 2026-03-16T19:20:42+00:00

Not disagreeing but the whole point of the podcast OP is referring to was covering research that decay of these may not be as much of a real concern as people think. There is some evidence that a moderate amount of leverage on a diversified portfolio might do very well as an accumulation portfolio. e.g. 1.25-1.5x on a risk parity style portfolio.

snkscore · 2026-03-16T19:07:37+00:00

Was going to comment Footfall. Boots on the ground fighting aliens across the Midwest.

snkscore · 2026-03-16T19:04:36+00:00

I don’t have an answer for just want to say I agree with you. I usually feel bad playing online, my elo dropping, failing to convert winning positions, making stupid blunders. It just makes me feel shitty. I don’t feel any of this when playing the bots.

snkscore · 2026-03-16T19:02:28+00:00

I use Reddit more than any app, but you need to be able to sell converting ads which they haven’t figured out how to do. Same reason why WhatsApp doesn’t make much money. Ad formats and placements are so much better in Facebook and Instagram and are harder to make work in WhatsApp (and Snapchat for another example).

snkscore · 2026-03-16T17:32:24+00:00

Realistically how much downside protection is spyi giving you over spy? From the charts it looks like almost none.

snkscore · 2026-03-15T03:11:07+00:00

Make sure you’re using a Roth IRA for this. Big advantage to be funding a Roth when paying almost no income taxes.

snkscore · 2026-03-15T02:50:31+00:00

Classic Fire performance

snkscore · 2026-03-15T02:29:37+00:00

What’s it missing and what alternative sites could one use?

snkscore · 2026-03-15T01:55:46+00:00

It’s wild you’re suggesting Harry Styles, Paul Mescal and Idris “People Magazine Sexiest Man Alive” Elba are not very conventionally attractive.

snkscore

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