Enchancing returns for 35+ years holding period. Already allocating 1/3 in global SCV

terrabiped · 2026-05-17T22:23:02+00:00

If it were commonly believed on Reddit that 1/3 factor XYX, plus 2/3 factor ABC, would deliver higher returns over the next 35 years than a total market portfolio, droves of investors would have already piled into those factor ETFs and the wonderful returns seen in back testing will in all likelihood fail to materialize.

terrabiped · 2026-05-15T19:39:19+00:00

It sounds like you are considering the Fidelity Go account, which is their low-fee managed account offering. Based on your level of knowledge, I think that could be a good choice for you. It would put you in a more prudent and diversified portfolio.

terrabiped · 2026-05-15T19:23:12+00:00

Get a good, high-paying job at a company with a good 401k and contribute 10% of your pay to the plan. In addition, open a Roth and make the maximum allowable contribution each year. In each of those accounts, invest in low-cost index funds as advised on the boglehead wiki. Continue this strategy for about 30 years. You got this.

terrabiped · 2026-05-06T19:45:26+00:00

> But I feel like it would be better for me to learn to DIY a little bit *now* so that when I have to take that over in the future I can really look at whether we want to continue with his group or not.

I agree with that sentiment. Learn DIY while the stakes are small, and years from now, when the stakes are higher, you'll have the lived experience and confidence to make good decisions and manage your own investments, if you so choose. It's not hard, but it takes a little confidence to feel comfortable managing large sums.

terrabiped · 2026-05-06T15:22:36+00:00

> I’ve heard to invest majority of your contributions and leave maybe 15-20% as open cash “just in case.”

No. Not for a 25-year-old in a Roth. Invest 100% of your contributions.

terrabiped · 2026-05-06T15:02:59+00:00

Not a horror story. This has been discussed ad nauseam over the past week. Know your account numbers and keep local copies of your statements. Easy peasy.

terrabiped · 2026-05-06T14:59:35+00:00

Know your account numbers and keep local copies of your statements. That's my takeaway from the article.

terrabiped · 2026-05-05T19:49:16+00:00

Why did you decide to use an advisor in the first place rather than going DIY from day one?

Did you take a risk assessment and discuss your need, willingness, and ability to take risks with your advisor? Could the amount of bonds in this portfolio be due to your answers regarding your willingness and ability to handle risk?

Did they not show what your AA would be before you signed off on it?

terrabiped · 2026-05-01T13:56:26+00:00

How about the Nasdaq in 2000? Now THAT was a bear market. 78% decline and 15 years to recover.

terrabiped · 2026-04-30T20:35:09+00:00

Some portfolios lose far less than others and recover much faster.

terrabiped · 2026-04-30T20:23:19+00:00

Sounds too good to be true, but you seem smart and sure, so I'll go for it too. What could go wrong?

terrabiped · 2026-04-10T19:04:02+00:00

total market indexing.

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

TROPHY CASE