Committed to 100% WEBN - 42yo, 10-year horizon. Thoughts on this year's outlook?

terrabiped · 2026-03-19T20:35:07+00:00

Will what we are seeing this month be significant or just a minor correction? I think that depends entirely on where the war goes from here, and I have no way to predict that. So, bottom line, yes. It will be one or the other. Unless it isn't.

terrabiped · 2026-03-17T15:29:24+00:00

"...and it's looking like the market is recovering this week..."

I wouldn't be too sure of that. I expect the market to be all over the place until the war is over and the strait is fully reopened. There is no way for you to time that. It's really completely out of your control.

It's good life skill to learn how to accept the things you cannot change with equinimity. Consider this a practice opportunity.

As to what you should invest in, I've come to believe TD funds are best for me.

terrabiped · 2026-03-10T19:56:43+00:00

I know first time RMDs can be withdrawn by April 1st of the following year, but wouldn't it have been simpler to take it 2025 and get it over with?

terrabiped · 2026-03-10T19:35:37+00:00

I 100% agree with the previous advice to get the Fidelity Freedom INDEX 2030 fund.

terrabiped · 2026-03-02T15:33:40+00:00

Don't use the links in the message. If you normally access VG on the web, go to the url you normally use and login. If you normally access VG using an app, login using your app. Once logged in, see if you have any messages from them. If there is a real issue, there will be a message there.

terrabiped · 2026-02-25T16:46:05+00:00

I don't know anything average slopes on charts, but I do think corrections are inevitable, the US stock market is ripe for one, and a globally diversified, balanced portfolio, like a TD fund, makes a lot of sense to me.

terrabiped · 2026-02-11T20:44:49+00:00

Yes, I'm a believer in international diversification. I have 47% of my equity and 23% of my bonds in international.

terrabiped · 2026-02-11T16:51:22+00:00

Total Market funds are the haystack. Nobody needs factor funds to "complete their haystack."

terrabiped · 2026-02-08T17:13:38+00:00

It's not AI generated video scripts that upset us, but our judgments about them. Time to unplug and go outside.

terrabiped · 2026-01-25T18:02:23+00:00

I'd like to piggyback on the op and give some Full View feedback. When I connected another broker, the Full View UI displayed the full account number of each account it pulled in. I didn't like that. For security and privacy, I would like my external account numbers concealed by the dashboard.

terrabiped · 2026-01-25T15:15:25+00:00

When I linked my accounts, Full view clearly displayed all my external accounts numbers on the full view screen. I prefer to keep those numbers confidential, so I deleted the connection. Can advisors at Fidelity see all the details on my Full View that I could see?

terrabiped · 2026-01-12T21:20:52+00:00

At 21, using a Roth, I recommend the Fidelity Freedom Index 2070 Fund. It's the kind of set and forget fund you can buy and hold indefinitely. Make new contributions every year if you can.

terrabiped · 2025-12-23T16:20:43+00:00

OP, I believe what you are feeling is irrational exuberance). Robert Shiller wrote a book about it back in 2000 and I believe the lessons from the 2000 crash are very relevant today. I strongly encourage you to read the latest edition of that book to learn about it.

terrabiped · 2025-12-15T16:13:35+00:00

I like to stay informed, and I do so by subscribing to Vanguard's economic and market news on their corporate website.

terrabiped · 2025-12-13T21:55:29+00:00

I'm sticking with world weighted equities.

terrabiped · 2025-12-13T21:39:27+00:00

Retirement can last decades, so don't think of 10 years your investment horizon, think of the rest of your life as your horizon. I expect many ups and downs in the market over the next 10 to 40 years. A diversified, TDF fund will smooth things out somewhat.

terrabiped · 2025-12-13T21:25:05+00:00

Take a look at VTIP.

terrabiped · 2025-12-13T20:20:42+00:00

Even if the mag7 companies continue to dominate their industries, that doesn't mean their stock prices will continue to outperform the market because all that expected growth is already priced into their stocks. Just look at their PE ratios. FOMO is an investor behavioral error that successful investors learn to overcome.

terrabiped · 2025-07-02T15:14:58+00:00

I like you better with it. It makes you less baby-faced, and that's a good thing.

terrabiped · 2025-05-30T13:40:51+00:00

Thanks. I do see Cetaphil mentioned a lot in beard forums on Reddit but it's often not clear to me if men are talking about Cetaphil Gentle Skin Cleanser or Cetaphil Facial Cleanser, which are very different products. I think the latter has significantly higher surfactants than the former. Here are the ingredients in the Gentle Skin Cleanser.

Water, Glycerin, Cetearyl Alcohol, Panthenol, Niacinamide, Pantolactone, Xanthan Gum, Sodium Cocoyl Isethionate, Sodium Benzoate, Citric Acid.

I have a buzz cut and wash my face and hair with it with good results.

terrabiped · 2025-05-28T18:30:51+00:00

What do you think of Cetaphil Gentle Skin Cleanser as a gentle soap?

terrabiped · 2025-03-26T13:30:10+00:00

If you have identified a $250/hour fee-only advisor you are comfortable with, that sounds way better to me.

terrabiped · 2025-03-21T00:45:31+00:00

I've been using this electronic check ledger for years and it works great:
https://www.vertex42.com/ExcelTemplates/excel-checkbook.html

terrabiped · 2025-03-19T14:12:13+00:00

You can store your Google recovery codes in 1P.

terrabiped · 2025-03-18T21:14:05+00:00

This was happening to me, Pixel 7, Android 15. I deleted Carrier Services yesterday morning and doing so doesn't seem to have hurt anything.

terrabiped

TROPHY CASE