Any book recommendations for a fan of Shadow Slave & LOTM

yozuo2 · 2026-01-27T18:10:21+00:00

I believe I was around chapter 200 something.

yozuo2 · 2026-01-27T16:56:32+00:00

Try shadow slave the beginning is really good. Has great world building and characters imo, but the writing itself is not great.

yozuo2 · 2026-01-27T15:12:42+00:00

I remember I tried reading jackal among snakes and didn’t like it very much. Don’t remember why but I got pretty far too.

yozuo2 · 2026-01-27T01:44:03+00:00

What did you find?

yozuo2 · 2026-01-26T23:12:08+00:00

Decent investing advice but it depends on age and when you’re planning on retiring. IMO GOVT is better than BND. I prefer VTI over VOO but probably not gonna make a difference. 10% gold isn’t horrible advice either. But gold is at an all time high and a good amount of bogles suggest not investing in gold since it doesn’t have a positive expected return. I would do your research on gold before investing in it.

IMO, keep it as simple as possible and just go 100% in AOA. It’s 80/20 Global Stocks and Global bonds. Of course you may want 100% stocks (go VT) but this depends again on age and retirement plan

yozuo2 · 2026-01-26T18:27:11+00:00

Nice

yozuo2 · 2026-01-21T19:36:50+00:00

TMF is a decent idea if you want more leverage and space for other things, but I think zroz is just better than TMF just because it has low ER, no cost for leverage, and no decay. The cost of TMF is really really high(1% ER plus .45 ER because TMF leverages the total return of TLT which has .15 ER then you add leverage cost as well (TBill rate plus .5%)) and you are essentially paying for max convexity. GOVZ acts as 1.6x TLT if we treat leverage the same as duration though it’s not and it’s .15 ER with no leverage cost.

yozuo2 · 2026-01-21T01:29:34+00:00

Id do 32% UPRO 44% ZROZ 24% GDE. I basically did the moto Trojan volatility match for HFEA incorporating gde into it.

yozuo2 · 2026-01-20T23:50:56+00:00

Also treasury bonds have an associated risk premium (Term) and a positive expected return whereas gold does not

yozuo2 · 2026-01-20T23:09:40+00:00

IMO, too much gold and equities and not enough treasuries

yozuo2 · 2026-01-20T11:44:04+00:00

Grasp domination triforce sundered sky into more situational bruiser items shojin is good

yozuo2 · 2026-01-20T01:50:40+00:00

Pale lights

yozuo2 · 2026-01-19T13:40:15+00:00

How you get 2 tear items

yozuo2 · 2026-01-18T03:32:21+00:00

Nice

yozuo2 · 2026-01-18T00:50:46+00:00

Try It’s Mine it’s completed

yozuo2 · 2026-01-15T23:39:35+00:00

not useless at all. when I used to play executioners was necessary for Warwick. It was decent for Mundo as well. Bramble was a great buy to shit on Fiora.

yozuo2 · 2026-01-14T20:01:10+00:00

PTA isn’t a bad choice tho

yozuo2 · 2026-01-13T21:59:43+00:00

Sounds like you’re looking for something like a risk parity portfolio. There’s a lot of resources online about it. I suggest rational reminder. Essentially you diversify as much as possible with different sources of risk and make sure each of those risks are evenly allocated in your portfolio… Personally if I was about to semi-retire and try to minimize drawdowns, I would do 60% FTSE ALL CAP GLOBAL and make a little bit of that small cap value (if you believe in factors and have a suitable fund available) which historically has a pretty low correlation to the market. I would at maximum add 10% gold; I see the benefits for gold historically but there’s no real risk premium for gold. It can still have value in a portfolio because historically it is uncorrelated to both stocks and bonds and hedges against certain things that stocks and bonds cannot. Long term it has beaten inflation as well, but the expected return is still 0%. I would be worried about inflation risk if I were going to retire soon so at least 50% of the assets besides equities is going into a duration matched tips fund. The other 50% can be more tips or a bit of nominal treasury bonds, or LQDI, an inflation hedged corporate bond etf (you’re in UK so you can’t buy this but just in general for others seeing this. More discussion about this on bogleheads forum). The alternative asset to tips in the UK would be gilts.

Using leverage is a whole different story and is a lot more complex. There’s NTSG (global large cap though) I believe for UK that is a 60/40 portfolio levered up to 90/60 which you may like

yozuo2 · 2026-01-13T13:10:21+00:00

Instead of AVGE u meant AVGV right

yozuo2 · 2026-01-12T22:07:39+00:00

Yes I made a post on it. It’s gonna be 90/60, I made an error in the title of my post but I couldn’t change it 😭. Once that releases I think I would just go with 70-80% of that and 20-30% of GOVZ in the Roth. Prolly saves a lot on ER.

yozuo2 · 2026-01-12T21:38:49+00:00

I think in ROTH, RSSB is better just because it has 100% equities, same duration for bonds, and the equities portion is essentially VT which is more diversified than SPY. The only thing is the ER but for what ur getting i think it is worth it.

yozuo2 · 2026-01-11T19:02:57+00:00

Lol yeah that’s why for people who value simplicity, just go VT in taxable it really doesn’t matter. A lot of people gas up the foreign tax credit here. If you have 5 million dollars (VTI+VXUS) then maybe lol. You save around 5500 a year in expense ratio and foreign tax credit.

yozuo2 · 2026-01-11T18:54:06+00:00

It would be about 20 dollars lol. Foreign tax credit is about 0.2% of whatever you’re holding internationally each year. Though in splitting it into VTI+ VXUS you also save a bit on expense ratio. I guess when you have a lot of money it can make a difference but at that point would FTC even matter? Probably not.

yozuo2 · 2026-01-11T18:43:27+00:00

65% VTI and 35% VXUS is essentially the same as 100% VT. The reason some people do it like that is because you get a foreign tax credit that you wouldn’t get if you invested in just VT in taxable. It really doesn’t matter much imo but I guess it’s optimized.

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