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I find comfort in diversification, so when I think about retirement survival strategies, I count: 41% globally diversified stock index funds 41% globally diversified bond index funds 18% Bitcoin ETFs and related stocks A few hundred thousand in home equity Maximum Social Security for two at age...

Street, I thought about a Maverick. Those are really nice. I also thought about a Mazda Miata convertible, lol, and test drove one, which scratched that itch. I don’t have the knees for how low it is! On Monday, I said bye-bye to my beloved 2006 SAAB 9.3 and acquired a 2021 Volkswagen Tiguan...

+8.67% YTD on $1.64 million: 16% Bitcoin, Fidelity Bitcoin ETF, and Bitcoin industry stocks 42% stock index funds 42% bond index funds and cash 58 and 61 years old, semi-retired

Congrats. Enjoy.

Beyond the weather forecasts, I’m honestly hard-pressed to think of ANY news story that has directly impacted my little life in the last year. How about you? Every newspaper and broadcast are full of titillating headlines and breathless reporters urging me to care about this that and the other...

I just ordered a loaded, 2023 Mazda Miata convertible with 2,000 miles on it via the CarMax app. It’s being shipped from a Louisiana CarMax store to my local one. I doubt there’s a simpler, less stressful and more transparent way to buy cars and they take all used cars, even if you have to tow...

I am gradually abandoning any interest in deadlocked federal policy as a meaningful change mechanism, so the angertainment we call “news” has little appeal. Technological transformation is the dominant change force of our age, so my attention, fascination and hope for a better future is...

This thread is about happiness, while the other thread was really about the power of compound interest. Both are right and enjoyable.

+1. The first took us almost exactly 20 years of saving in stock funds in our 403bs, with matches, with higher savings rates than anyone we knew. One must be focused.

Sure. And you can do all kinds of backtesting for free at Portfolio Visualizer. The one with the high final balance has no rebalancing. To be sure, there’s been a lot of allocation drift since 1987 and current allocation is 90/10, hence the higher volatility and higher returns. But if we...

Here’s an 80/20 portfolio of $10,000 with annual rebalancing and one with no rebalancing. Samesies! Actually, not rebalancing was a little more volatile but ended up slightly ahead.

Awesome. Before you explained that, you were starting to inspire me to go into the forum moderation business.

How much does the FSD cost/month? I’m Tesla-curious.

Gumby, You retired in 2019 but have not touched your portfolio? How do you do that, please?

Sounds great to me. Reducing cars also reduces the ramps, lots and spaces required to park them, pollution and noise. It’s probably a step toward rechargeable autonomous robo taxis, after the tech is worked out and scaled through market forces...

Probably an interim step on the way to everyone using robo taxis, which will also eliminate the need for parking ramps, lots and spaces in congested cities.

To the contrary, when I’ve back-tested rebalancing vs rebalancing, it doesn’t make much difference at all over long time periods. You’re the ultimate passive investor, which research shows is the smartest kind and the best at business.

Enlightening thread, Street. As I recall, you don’t rebalance.

My dad signed up recently. Seems to have given him peace of mind.

Enjoying Palm Royale on Apple TV. Kristin Wig is terrific and carries it. Show is a zany peak into the life of Palm Beach society and its weird aspirations. Probably kinda true, too.

Up 12.13% YTD on $1.74 million 19% Fidelity Bitcoin ETF, Bitcoin and Bitcoin industry stocks, almost all of it in Roth IRAs. 42% stock index funds in T-IRAs 39% bond index funds in T-IRAs. 58 and 60 years old, semi-retired

Seems a sound strategy, especially if it lets you avoid capital gains by not selling the paper assets, though preferreds and mms may not have much in gains.

We’ve been VPAS clients since 2018 with 7 figures in their AUM. Your math seems reasonable but I have no info it. It’s been a helpful planning service for a relatively reasonable price, with a couple of complaints. One is, we’ve had 4 different advisors in our 6 years, one of whom left nearly...

+4.95% YTD 46% Stock Indexes/41% Bond Indexes/13% Bitcoin

CLSK has gone parabolic. I plan to buy more for two months, then do some profit taking.