Posts
I have a specific question about advisors
My mom uses an advisor that charges a 1.6% AUM fee that will go down when she reaches a certain amount. He uses 'Target allocation ETFs' from different firms (Blackrock & Fidelity). He uses her risk tolerance to choose which one to put her in. She is currently in BTAEHX. …
When are you buying the dip?
Many people who are sitting on cash will say "I am going to buy the dip." What is the criteria for you to buy the dip with excess cash if you are fortunate enough to be in a position to do so? For me the VIX needs to be under …
No longer a prediction, A recession is expected
https://finance.yahoo.com/news/jpmorgan-becomes-the-first-wall-street-bank-to-forecast-a-us-recession-following-trumps-tariffs-222019272.html JP Morgan has officially announced they are forecasting a recession this year, just yesterday they were only *predicting* a recession with 60%, now it is expected. Tired of winning yet?
Gold vs Bitcoin. Which is the better investment?
Perhaps it’s better for here, but my neighbour has been a leading voice on personal finance in the UK since the 90s. She’s hosting a free online discussion with 3 leading experts - investment management, gold bullion and bitcoin expertise respectively - to discuss the subject. It’s on the 24th …
Buying the Dip? DCA or crystal Ball?
The market has just endured its worst two day stretch since the COVID crash, and fear is gripping investors. The VIX, is at 45 “fear gauge,” is at a 6 I think Covid it was a 9, when the world shut down. Historically, when the VIX exceeds 25, it often …
Worried about investments
My investments have dropped and I'm concerned about losing more money. I invested about 6 years ago and it dropped initially but I left it and over time it finally got back to baseline (no poss but no gain). Last year is the first year I saw some profit. I …
Who’s preparing for a recession?
I stopped buying the “dip” for now. I have $247K invested the market in VOO, SCHD, and Nvidia, and I’m down $26K for now. I have another $240K in cash but will be sitting on the sidelines. I have to save the rest of the money in case we go …
Does it make sense to use money market funds as a savings account?
Was looking at moving my savings and a CD I own to TMCXX. I live in PA if that matters for tax reasons. I haven’t purchased a money market fund before so a little new to this. I do need access to these funds in an emergency. Is there any …
Suicide Hotline just in case
The U.S. Suicide Hotline: Dial 988, text 988, or visit 988lifeline.org for online chat. 988 is a free, confidential service available 24/7 for anyone experiencing emotional distress, a mental health crisis, or thoughts of suicide. You can call, text, or chat with trained counselors who provide support and resources
Helping father-in-law out with investments, seeking advice.
I’m currently trying to help guide my father-in-law with his investment strategy. Since we’re at very different stages in life, I realize his approach shouldn’t mirror mine. I’m 24 and focused on long-term growth, so my portfolio is heavily weighted in VOO, QQQ, VTSAX, and some individual blue-chip stocks. He, …