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Originally Posted By M4ger: So this is a valid question. Vanguard has a rule that if you sell a position, you cannot invest back into that position for 30 days. I make monthly buys, and should I find something I want to purchase that will ROI correctly, I am inclined to use VTI instead of VOO and VUG. I like being able to put money into multiple funds. VUG is the best performer of them, and I had put money into other funds that trailed badly of VTI and VOO, and I do not mess with them any longer. The Growth fund is the last one I'll ever sell from. Originally Posted By M4ger: Originally Posted By FALARAK: Originally Posted By M4ger: I'd pull about $10k out to augment the emergency fund, and the remaining $140k would get split $50k in both VOO and VUG, and $40k into VTI. Or $50k in VUG, and $45k in each VOO and VTI. Then I'll watch for the next 12 months and see how those ETFs perform. I sold one of my RE holdings in April and cleared $145k. And the above is almost exactly what I did then. 34.8% Why purchase both VOO and VTI in a split? They hold almost the same thing.... since they are both cap weighted indexes. Yes, VTI includes both small and mid caps..... but if you compare holdings and percentages.... they are nearly the same. If you track long term performance, they are nearly the same. The only reason to hold both.... would be if you want to dilute the small and mid cap percentages of your portfolio. Bottom line is, they are so close in performance and holdings, and therefore volatility, that VTI is really all you need there. It seems strange to mix between the two. So this is a valid question. Vanguard has a rule that if you sell a position, you cannot invest back into that position for 30 days. I make monthly buys, and should I find something I want to purchase that will ROI correctly, I am inclined to use VTI instead of VOO and VUG. I like being able to put money into multiple funds. VUG is the best performer of them, and I had put money into other funds that trailed badly of VTI and VOO, and I do not mess with them any longer. The Growth fund is the last one I'll ever sell from. |
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Originally Posted By Positronic: Holding dollars today is like carrying ICE through Death Valley. BTC URA TSLA metal Do you really think URA is going up a lot more? I got in under $30 and that wasn't too long ago. |
Heller II - Challenging DC's bans on semi-automatic rifles, large-capacity ammunition feeding devices, and its onerous and expensive handgun registration process. http://www.HellerFoundation.org/
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Max out Roth IRA which I believe is like $7K or something, then do the same under my wife's name too. Add $100k to investment portfolio. Max out company 401K contributions and use the extra cash to reimburse. Keep about 10-15k for a trip to Vegas. |
This upgraded web site sucks!!!
| My house needs some more insulation (already putting it in), which is a solid ROI. If you have easy things like that that you can do that you have put off that reduce your monthly cashflow or would materially improve your life needs (food, shelter, ...), take care of them. After that invest it in something passive, or start a business if you already have a solid plan. If you genuinely don't need it now, then put it to use building a better tomorrow. My preference right now is looking at stocks in cash cows, but I am also looking at fundamental small businesses with owners retiring and kids not wanting to inherit the business. These are not sexy returns like finding the next Apple or nVidia, but steady profitability with low growth and regular dividends beats big swings for someone like me in the 10-20 years to retirement phase of life. |
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Ok, since there is mention of home improvements, I totally forgot this is actually on my "wish list". Replace all windows with double pane. Install hurricane shutters that deploy easily instead of having to manually put up one sheet at a time. |
This upgraded web site sucks!!!
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Pay off the small amount of debt I have. Pay the small amount left on my mortgage. Remodel the master bathroom, put new carpet in the master bedroom, remodel the backyard. (12x40ft concrete slab, a pergola, and a built in grill). Put some in savings. Invest the rest. My brother is into stocks and crypto. |
Look at me, look at me, I'm the captain now
Joined:
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Posts:
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EE: 100% (8)
OH, USA
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Only outstanding debt is mortgage. Superfund son's 529. |
"Whisky for the gentlemen that like it. And for the gentlemen that don't like it - Whisky!" -Alec Guinness as MAJ (acting Colonel) Jock Sinclair, D.S.O., M.M. "Tunes of Glory"
| S&P500 is on sale at the moment. I'd put a chunk in that. hawk tuah coin the rest lol |
callmenoshie: "saying that females have the potential to be "bat shit crazy" is like saying the sky has the potential to be blue."
XCRmonger: "I've seen German Shit Porn that was sexier."
XCRmonger: "I've seen German Shit Porn that was sexier."
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Joined:
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ND, USA
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Originally Posted By FALARAK: Is it? Probably deserves its own thread but can the Shiller PE ratio still be counted on as a viable metric for something like the S&P 500? Most of the biggest component companies are operating differently than they did 10 years ago and the use of earnings and not EPS in the denominator omits the effect of buybacks on the price. |
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Originally Posted By @Shadyman: Following this thread. I’m about to come into a bit more than the OP. Already set up, debt free, I don’t need the money and need ideas… Have you considered reading up on: Opening a DAF? Or Starting a private foundation? Or A 501c3 then converting it over to a foundation in time? All the above self directed by you. Just a few thoughts especially if you zoom out and look at the real long game and end game. We’re working #2 now with #3 in 2028. Good options for dealing with QCD’s when the time comes. Sharing ideas of what is real and possible. |
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Originally Posted By Procat: Probably deserves its own thread but can the Shiller PE ratio still be counted on as a viable metric for something like the S&P 500? Most of the biggest component companies are operating differently than they did 10 years ago and the use of earnings and not EPS in the denominator omits the effect of buybacks on the price. Originally Posted By Procat: Originally Posted By FALARAK: Is it? Probably deserves its own thread but can the Shiller PE ratio still be counted on as a viable metric for something like the S&P 500? Most of the biggest component companies are operating differently than they did 10 years ago and the use of earnings and not EPS in the denominator omits the effect of buybacks on the price. I think there are many factors since 2008 that make the historical mean of the Schiller PE ratio questionable, M2 money supply being a big one. But I am not sure there is a better indicator if the market is historically "cheap" or "on sale" vs long term history. |
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Originally Posted By Bklyn_Irish: Only outstanding debt is mortgage. Superfund son's 529. There are better ways to pay for college that don't have the limitations of a 529. |
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Other than my house, I don't have any debt. I would probably Greenlight the garage project I am looking into now. 80 x 100 barn/garage. Edit- See8ng as I answered this postv4 months ago the same way, at least I am consistent.... 
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Been called many things: Asshole, hey you, Boats and a few others. The one I cherish is when a Marine called me "Doc"
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If i was just getting started and didn't want to make a huge mistake, I would set up a Fidelity account (or other brokerage) and buy mutual funds with $130,000. Go to your favorite AI and type "I am ____ years old. I don't need the money right away. I want growth with no tax due. Which 4 mutual funds should i buy?" By telling AI you don't need the money right away, you are telling it you will buy and hold. You could be up or down for several years in a row, but in the long run 10+ years, you will average 10-15%. There will be years that you are 0% or even negative. Don't fret, stick to the plan. I am a CPA, and I have managed portfolios at UBS and Raymond James. They have been decent over the years, but you pay for that (1% in my case). I also have a Fidelity account that I manage. Some years i make 30%, some years i make 0%. All three of us average 10-15%. My point is, timing the market and picking individual stocks is much harder that it looks over the long-term. Play it relatively safe and you will win in the long term. Remember the "Rule of 7/10". The Rule of 7/10 investing is a simplified mental model for compounding, stating that with a 10% return, your money doubles in roughly 7 years, and with a 7% return, it doubles in roughly 10 years. Last, take the $20k you didn't invest and do something stupid with it like buy a boat. |
