Posts
3.5% a year seems more appealing than being in this market rn
I’m starting to learn something about myself with how I manage my personal finances, I thought I was risk on, but the more my net worth grows the more I realize I ain’t tryna lose my SHIT!!! Hahah For real though, idk if anyone else is like this, i’m 32, …
What happens if growth stops?
When watching personal finance videos I’ve seen commentators claim that if global/US index funds don’t continue growing over the long term then you’ll have a lot more to worry about than investments not growing - aka it would be an event that would cause multiple crises across the world and …
How much cash do institutions hold realistically?
AI stocks have added trillions in market cap over the last few months, which makes it seem like institutions have endless cash available. In reality, how much cash do large funds, banks, and asset managers typically hold versus deploy into investments?
100% VOO, should I add something else?
I have $19k in a roth IRA 100% VOO, and $33k in a traditional IRA 100% VOO with Charles Schwab. I don't know much about investing just that if I had to choose one ETF & forget about it until retirement (another 25 years away), that VOO is a good …
Why free trades aren't going to make you wealthy
Zero-commission trading sounds like a great idea. No fees, no barriers, just pure opportunity. But here’s the uncomfortable truth: free trades are not helping you build wealth. They’re just making it easier to act, not smarter to invest. 1. Free trades are not a strategy, they’re just an execution advantage …
34 years old. What kind of investing would it take to retire in my 40s?
Turning 34 next month and I can't get excited about the traditional retirement timeline. Every piece of advice seems to be "max your 401k, keep buying index funds, retire at 65." Maybe that's fine for some people, but the idea of waiting another 30 years before I can really enjoy …
TIL Warren Buffett made his first Billion at the age of 56!
So Warren Buffett became a Millionaire at the age of 32 but it took him 24 years to go from 1 million to 1 Billion. Compare that to Tech billionaires and especially the top 10-20 richest people, like Bill Gates, Zuck, google founders, Musk, Bezos etc. this seems very slow …
Best sources for digging into ETF trading/mechanics - institutional perspective
I work in asset allocation and have started helping PMs review tactical ETF exposures and possible substitutes. At first there was some really low hanging fruit but now approaching the need for more under the hood of the trading/implementation side - volume, bid/ask spreads, underlying liquidity, creation/redemption, market makers/APs, basket …
How much of the U.S.–Iran news is already priced into oil?
Earlier today I was discussing with a friend how oil could react if a U.S.–Iran ceasefire or broader deal started looking more likely. A few hours later, reports emerged suggesting that a tentative agreement may be under discussion, pending approval from President Trump. As the news spread, oil prices began …
Need investment vehicle suggestion for a private club
I am the treasurer of a small ski club. We are a registered non-profit organization. We charge annual dues, and then also lodging fees when people stay at the house we own in Vermont. Over the years the club has amassed about $50K in our zero interest savings account. I'm …