Posts
Can a retail investor hedge against interest rate changes like banks can?
Let's say that I borrow 100K from a bank, with a variable interest rate. Is there a way for a retail investor like me to hedge against interest rate changes so that effectively I turn my variable-rate loan into a quasi fixed-rate loan, and, naturally, pay a premium for that? …
22M Only investing in Index Funds, anything more I should be doing?
As the title suggests, I'm currently only investing in Index Funds VWRP & VUAG. At the moment I only have 22k in VUAG and 10k in VWRP but plan to go 100% VWRP going forward as there's already 60% overlap towards US. I'm based in the UK, investing in a …
Learnings from dot com and GFC and AI bubble
People who have lived through dot com and GFC, do you think investors are more skeptical with the steadily growing AI bubble? Are there more guardrails in place in the financial systems? Could this skeptisism, checks and balance lead to a market crash not at the same scale as these …
Were there ever times where it felt like a market paradigm shift?
Were there ever times where it felt like a market paradigm shift? Were there ever times where the rules seemed like they changed? Whether for short periods like covid, previous presidents or even shorter periods or a total shift from that point from a historical or anecdotal pov
Are there any successful companies that went public via SPAC?
Remember when SPACs were the hot new thing in 2021–2022 and every company wanted to go public that way? Total fever dream. I even got swept up in it (Lemonade… smh). Anyway, most of them got absolutely smoked afterward. Did any SPACs actually come out of that era looking good? …
Lowering my contribution in my 401K
Hello I'm thinking about lowering my 401K contribution. Currently, I have 6% in traditional 401K, and 9% in Roth 401K. I want to drop my 9% Roth 401k and start investing it into a brokerage account so I can have more control. My company plan doesn't have many good options …
RBC North American Value vs Life Science & Technology mutual funds
I’m trying to better understand the behaviour, risk profile, and role of two types of equity mutual funds: RBC North American Value funds RBC Life Science & Technology From a general perspective, I’m interested in: How these two categories typically differ in terms of volatility and drawdowns How they tend …
Finalizing my RBC mutual fund allocation - keep NAVF-heavy, adjust, or add dividend funds? Looking for weight recommendations.
Hi everyone, I’m finalizing my long-term investment allocation within RBC mutual funds and would appreciate your input, especially from anyone familiar with RBC GAM funds. Current allocation: 90% RBC North American Value Fund (NAVF) https://www.rbcgam.com/en/ca/products/mutual-funds/RBF554/detail 10% RBC Health & Sciences Fund https://www.rbcgam.com/en/ca/products/mutual-funds/RBF274/detail NAVF has strong long-term performance, and the Health …
What’s stopping a firm from offering an high IRA match for a fee.
Lots of accounts (SoFi, Robinhood, etc.) offer a low IRA match. Robinhood specifically requires to pay for the match. What’s stopping a firm from offering a super high match (say 50%) for an equivalently high fee ($3500 would make sense here). Seems like it would benefit both the firms and …
Aware that ASTS is positioned for major growth in 2026 and just thinking about a good entry point. Grateful for thoughts
Aware that ASTS is positioned for major growth in 2026 and just thinking about a good entry point. But also has risen a lot recently. To around $77. Thoughts on whether there’s likely to be a pullback in the near future or should I just dive in? Would welcome comments! …