u/ECrispy

▲ 1 r/help

so notifications are still broken?

previously opening the inbox/replies page would mark them as read.

now you have to click each reply to clear the notification count.

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u/ECrispy — 14 hours ago

[USA-CA] [H] Paypal [W] Nvidia RTX 5060 gpu

Looking for a 5060 8gb (or 16gb version depending on price)
Dual fan only as I don't think my case will fit the bigger ones.
don't need bells/whistles like rgb etc.

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u/ECrispy — 2 days ago

assuming all other factors being equal - like emergency fund, age, retirement withdrawal, risk tolerance, type of account etc.

I assume the answer is yes? that would be the whole point of a single passive indexing strategy that reduces variability.

does everyone here follow a simple strategy?

so next question is within this framework there could be hundreds of ways to make a 3/4/5 fund portfolio, is there any data on what people choose, historical performance etc.

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u/ECrispy — 7 days ago

I currently have following positions:

Symbol   Description                                  Percent Of Account
------   -----------                                  -----------------
Traditional IRA

SPAXX    HELD IN MONEY MARKET                          60.07%            
FZROX    FIDELITY ZERO TOTAL MARKET INDEX              18.00%            
FSKAX    FIDELITY TOTAL MARKET INDEX FUND              13.39%            
TEDIX    FRANKLIN MUTUAL GLBL DISCOVERY CLASS A        6.47%             
PJP      INVESCO EXCHANGE TRADED FD TR PHARMACEUTICALS 2.07%             

Roth IRA

FNIAX    FIDELITY ADVISOR NEW INSIGHTS CL A            22.72%            
SPAXX    HELD IN MONEY MARKET                          15.83%            
AMRMX    AMERICAN MUTUAL FUND CLASS A                  13.23%            
DXJ      WISDOMTREE JAPAN HEDGED EQUITY FUND           11.18%            
AEDAX    INVESCO INTL VALUE CLASS A                    10.13%            
XLK      SELECT SECTOR SPDR TRUST                      6.01%             
CZA      INVESCO EXCHANGE TRADED FD TR ZACKS MID CAP   4.14%             
DBMAX    BNY MELLON SMALL MID CAP GROWTH A             3.02%             
DIAMX    DIAMOND HILL LONG SHORT INVESTOR              2.86%             
VSEAX    JPMORGAN SMALL CAP EQUITY CLASS A             2.52%             
TVOAX    TOUCHSTONE SMALL CAP VALUE CL A               2.25%             
ASLAX    AB SELECT US LONG SHORT PORT CLASS A          2.24%             
CLARX    NYLI CBRE REAL ESTATE A                       2.16%             
PJP      INVESCO EXCHANGE TRADED FD TR PHARMACEUTICALS 1.72%             

(not sure if this is a separate account or part of the Roth IRA, but it is listed separately)
VERIZON SAVINGS PLAN   VERIZON 2035 FUND            100.00%           

obviously this is not ideal this is just what I've had for a long time since I didn't know any better.

  • what are the biggest problems here. I see some duplicate holdings and a large amount of cash which is bad, and too many individual holdings
  • what would you advise I do with these, sell off and buy 2-3 of the recommended funds?
  • what are the current best recommendations, assuming medium risk and also wanting growth
  • should dividend earning funds be put in a taxable account instead?
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u/ECrispy — 8 days ago

I've started watching this show, its got a great cast and a funny premise, but some of the characters have started to grate. I know its written that way to create conflict and drama, but its really too much.

Its the same obnoxious characters who keep making stupid decisions to advance the plot.

like Rani, Gabby, Myrna, Greg are all cliched stereotypes with absolutely no originality. I mean how many times do we have to see the rich influencer treat others like shit, or holier than thou hypocrite Myrna?

Ironically they use Christopher Walken the least.

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u/ECrispy — 17 days ago