Posts
Convert CD to custodial account?
Is it possible to convert a CD in my primary name to a custodial account for my kids? I have quite a few CDs I've purchased for my kids over the years, but to my own ignorance, I didn't set them up as custodial accounts. I am paying taxes on …
How will you (age 50+) prepare for a potential lost decade?
I keep hearing and reading about the next 10 years being ...rough. I know this is all speculation but there's seems to be a consistent message here from the 'experts'. I'm curious, whether your believe this to be true or not, how would someone a decade from retirement even begin …
Thoughts on diversifying in a downturn
If you're prepping to hedge against USD currency devaluation and a recession, how would you diversify your portfolio (currently, mine is around 55 percent in total global equity funds)? Here are things I'm considering. Thoughts (pros/cons) and specific suggestions are appreciated: Inflation- linked bond ETF VXUS or other non-US funds …
Is this a good rebalancing for my 403B account
I just changed my future allocations for 50% vanguard institutional index Instl Pl And 50% Vanguard developed markets index Ins Pls. My goal is to get the portfolio to around 60% US equities and 40% international . Then do 60/40 from there on out. My goal is to be as …
What investing lesson only experience can teach.?
Looking back, many investing lessons sound obvious *after* you’ve lived through them. Before that, they’re just words on a page. Things like staying invested during uncertainty, ignoring noise, or accepting that markets don’t owe you clarity. I’m curious which lesson only really clicked for you after experiencing it firsthand. Not …
Advice for international exposure when over-leveraged in US
Hello all, I was hoping you could help me figure out how to rebalance my portfolio. I'm ~40yo, make around $180/yr in a HCOL area. I'm currently very aggressive in total market index fund allocation. It's my belief that there will be a shift away from the US in the …
The "Lost Decade" is here. If the S&P 500 goes flat and the Dollar keeps sliding, where are you actually hiding?
Let’s just say for the sake of argument that the "goldilocks" era of US tech dominance is over. Between the massive debt load and the dollar in secular decline, we might be looking at a 2000-2010 style "lost decade" where the S&P 500 basically returns 0% (or less) in real …
32 YO - Roth IRA and 401k
So just switched my whole portfolio from CG/AF to Fidelity. I found the semiconductor fund FSELX. I realize it is high risk/high reward, but I'm only 32 and do heavily believe that Al and correspondingly semiconductors are going to continue to boom for the foreseeable long term future. want to …
Five Cheap AI Stocks To Watch When The Sector Rotates
When AI heats up, low-priced names often move first because traders pile into what is liquid and headline-sensitive. This is the short list I watch under $6. My 5 AI tickers to watch: **- BBAI** **- REKR** **- RIME** **- NOTE** **- GCT** Why I keep them: RIME stays on …
Need help naming tech focused investing page on substack
Hey I’ve made myself a fair amount of money investing over the years and it’s something I genuinely enjoy and found myself to be good at. I am sharing my analysis and trades on substack but I need a good name! I like the idea of having the word Red …