Posts
Sector rotation analysis: 27 years of S&P 500 sector ETF rankings. 25% of transitions are major reversals.
Built a data platform as a side project. Used it to analyse sector rotation patterns across 27 years of S&P 500 sector ETF data. --- **Methodology** - **Data:** S&P 500 Sector SPDR ETFs (XLK, XLE, XLF, XLV, XLY, XLP, XLI, XLB, XLU, XLRE, XLC) - **Period:** 1999-2026 (XLRE from 2015, …
Investing 1M in liquid assets
I’m looking for some thoughts on a capital-allocation question. A family is considering allocating $1–2 million into a long-term investment vehicle with the objective of generating a sustainable \~5% annual return while preserving capital. What types of instruments or structures would be appropriate to achieve this goal over a long …
21 y/o with $200k cash, considering small rental properties as a long term wealth strategy. Is this smart or am I missing something?
I'm looking for some honest feedback before I make any big decisions. I’m 21, and currently sitting on about $200k cash saved. My goal is financial freedom and i’m considering using the money for small residential rentals instead of just throwing everything into index funds. My rough plan: • Buy …
Options trading in retirement accounts - smart or a bad idea?
Been trading options for a bit now (mostly defined-risk strategies) and have done fairly well so far. I’m disciplined with sizing and risk, but I’m also aware that success early on can lead to overconfidence. I’m debating whether options trading should have any place in a retirement account (IRA/Roth/HSA), or …
Did Palladium sneak under the radar?
Anyone holding Palladium ETF? It was at 88-98 dollars late 2025. I didn’t jump, it’s at 178 now. I’m kicking myself a bit. Its pretty crazy I was doing research on metals came across Palladium and thought it might be viable. I don’t hear too many people talking about it. …
First 100k invested at 32!
Woohoo! I finally hit it. 100k invested (outside of retirement) at 32 years old while being a small business owner. Can’t really tell any friends because talking finance is considered taboo or you’re seen as a silly goose. But I’m feeling very proud right now. Also debt free with a …
Tesla: More likely to 2x from here or crash by <50% in the next two years?
I wonder what people think. There are a bunch of commenters and videos that seem to be more on the bullish side, but I just don't see it. Tesla is priced at a PE ratio that's never been seen before by a top 10 market cap company since Cisco at …
Any way to leverage 0% /12mos offer if cashflow is steady?
Every year, Citi offers me either 0% for 12 months w/ a 5% transfer fee or a \~.50% for 16-18 months with a 5% transfer fee on my card including the option to transfer directly to a bank account. I carry no balance, and see this as an opportunity for …
Unprecedented for BOTH gold and stocks near/at ATH's. Gold could double again - my theory.
There's something truly different about gold/metals ATH right now. As many have pointed out, these are safe haven assets. When there is turmoil in the world, when the value of government currencies are uncertain, equities are uncertain, this is where the money flows. Can't make more of it, no government …
Why is PLTR's Cap Ex so low?
While underwriting PLTR to try to understand why their valuation is so high, I was struck by how little they spend on cap ex--only $26 million for the trailing twelve months. As a percent of revenue, that was 0.61%. For comparison, I looked at the Mag 7 along with MU, …