Posts
PSA: 30% loss means the stock needs to go up by 43% to return
This should be a basic no-brainer but everytime you see a stock go down 5% at the current price level. If it increases back by 5% it doesn't go back to its old price. To illustrate. 10% loss needs 11% gain to return. 20% needs 25%. 30% needs 43%. 40% …
Cons of fully funding an HSA
Thinking of fully funding my employer provided HSA for the year. 31 single no kids. What are some cons to contributing to the full limit for my situation? Can I change my HSA contribution amount at any time? Is it smart to take into consideration the amount of times I …
Media failure again (sigh…)
The financial and political media are still referring to these as Trumps ‘reciprocal tariffs’, even though the half-baked formula they used to calculate clearly had NOTHING to do with tariffs and trade barriers and only reflected trade deficits. It’s a small distinction, but very important in my view to call …
Any recommendations on what to do with 60% down?
I’m 60% down on some of my LEAPS, they were ATM at the time. They expire 2027 January. SPY GOOGL AMZN NVDA RDDT they made up around 20% of my portfolio then blew up to around 30% of my portfolio. Now they’re down like 60%, my plan was always to …
Is this thinking accurate?
My FiL said this past week that the rebound from stocks being way down is great, because your retirement plan can buy more stocks for the same price, so when the price goes up your portfolio rises even more? (I.e buying 1 stock at $100 vs 2 for $50 each, …
What is the strategy right now if you have cash?
I had a less invested than I probably should have (according to the six months of expenses in reserve rule) plus inherited ~$50k. Like everyone else my stocks and mutual funds are getting beat up pretty badly. I'm still investing income at the normal rate although I'm tempted to pause …
Think Like You’re Richer Than You Are. Feel Like You’re Poorer. Act Like You’re Exactly Where You Are.
I manage a six-figure portfolio, but I’ve realized the mindset I bring to investing matters more than any number on the screen. Recently, I locked into a model that changed the game for me: Think +2 | Feel –2 | Act 0 Think +2: Operate like you’re two orders of …
If Tariffs are Permanent how low does SPX go?
If these tariffs truly are the new normal and there are no bargains struck how low will SPX go? I still think investors are pricing in a large chance that this is bargaining. ATH was 6,147. We’re right around 5,100 now. If this is the new normal I’d imagine 4,000 …
Should I convert my USD savings to EUR?
I moved to Europe last year but kept some of my savings in USD because the Euro was fluctuating and the USD was stable so I thought it would be good to not exchange them. However, given what's going on, should I convert what I have to EUR since I'm …
What should recent/upcoming retirees do with their retirement funds with the fall right now (Sunday April 6th)?
Asking because I'm interested for my parents. One of them has a higher percentage of agressive investments than traditionally recommended at the end of retirement. Should they switch some of those more volatile investments to safer ones right now? Also, what constitutes safer types of investments usually recommended for close …