Sell VOO by Dec 3, 2026.

I'm aware of some of the discourse here in this subreddit, and I actually don't see convincing academic evidence that ETF investing maximizes the long-term outcome for retail investors. Specifically I want to address a few common arguments ETF evangelists make: - Active mutual funds underperforms passive ETFs (Malkiel 1973) - Buy-and-Hold Strategies are superior for long-term performance based on a lookback period of 20-30 years - 96% of stocks underperform t-bills over their life times (Bessembinder 2017) The first …