Posts
“Past performance does not guarantee future success” but about macroeconomics
The conventional wisdom about investing is that even after downturns, recovery is inevitable. The advice is therefore to not panic sell, because over any sufficiently long timescale (~decadal) the probability of losing money in a properly diversified portfolio historically is very low. While I am not disagreeing with this premise, …
Retirement Accounts Cash Parking Question
“The accounts themselves are not tax deferred, but the pre-tax deferral contributions within them are. The earnings on the account are not taxed until they are withdrawn.” This was the explanation I got from my TPA person as to what my business retirement accounts are (cash balance with profit sharing). …
Question regarding traditional 401k vs Roth 401 for high income earners.
Hello. I’m a high income earner with salary around 400k. Just starting to invest into my retirement as I’m 42. Is it best to maximize the traditional 401k for tax advantage purposes? We have option for traditional vs Roth 401. I am a k1 so we are allowed to put …
How can I invest in my situation?
Hey, so I used to invest using an ISA while I lived in the UK, however for the last 2 years I've been traveling in Australia so wasn't eligible for the ISA anymore. The issue is that my passport is Polish and when I get back to Europe at the …
For Those With Fisher - Have They Done Any Trades The Past Few Weeks?
I am in the process of moving from Fisher to self-directed. My portfolio is out of my hands until the transfer is finished. I've watched it go down 6.7% in two weeks. I'm interested in whether Fisher would have done anything active if they still were managing.
US stock vs EU defense stock - strategy
Hey mates! Am I on the right way with this plan? As we know, the US stock has been continuously dropping for the past months due to sequences. Meanwhile, the EU defense stock may increase. Possibly, this is a temporary behavior of the stock, and at some time, it will …
Forecasts.org with historical 99% accuracy predicting drop in interest rates
This is not my website, but their track record really speaks volumes to their prediction. They're predicting in October 2025 a interest rate drop of 114 basis points from current levels to 3.54% for the 30 year US treasury. With lots of stocks falling, perhaps a good way to hedge …
Economic Red Flags: 6 Trump Policies That Have Economists Predicting a 2025 Downturn
Several of President Donald Trump's policies and actions are raising concerns among economists about the potential for a U.S. recession in 2025. Here are the key factors contributing to these fears: 1. Tariffs and Trade Policy Escalating Tariffs: Trump has recently imposed significant tariffs, including 25% on imports from Canada …
Optimal strategy for reinvesting in the stock market during a downturn?
In a previous post I mentioned that I took all my money out of the stock market about 2 weeks ago. So far, that has turned out to be a pretty good decision. However, I am now grappling with trying to figure out what the ultimate strategy for buying back …
I own two houses at 36 years old and have only 10K in savings and 120K in retirement funds/securities
I rent out one house seasonally and cover about half the mortgage and live in the other. I bought my rental in 2019 at a very low interest rate My other house was bought in 2024 at around a 5.2% rate First house was bought for $615K and now valued …