I think Larry Swedroe's oft-cited rule of thumb - 20 basis points in additional interest for each year of additional bond duration - is still a great place to start in terms of looking at duration and interest rate risk. By that metric you'd want to stick with 0-5 year durations right now. Of cours...

At this point I am happy enough making sure my stock fund contains MicroStrategy. That gets me enough exposure to Bitcoin since they hold so much Bitcoin. Think of Bitcoin as a single stock like NVIDIA or Amazon that has done really well. Sure I wish I would have gone all in on those stocks before t...

I saw this reposted on twitter and enjoyed the read

A crypto fairy tale

https://www.acadian-asset.com/investmen ... fairy-tale

I do think it has use case myself though in Transferring wealth across borders. I assume this happens and Bitcoin wins this one for now?

Ditching a Phone Case Is the Latest Symbol of Stealth Wealth

https://time.com/6280905/iphone-no-case-rich-people/

Phone cases are for the poor.

With that said, I would never spend extra for OtterBox. I buy whatever looks to be best value in the moment.

In response to the equity market’s growing concentration of Big Tech firms, S&P has announced that it will reduce the weightings of the biggest market leaders in proportion to their capitalization if they surpass certain size thresholds in key industry benchmarks. https://www.tradealgo.com/news...

Is it just me or is anyone else scared of gold crashing from 2500?

I am having thoughts of abandoning gold at these prices.

Interview with Claudia Sahm posted an hour ago:

That has been a tough problem for me as well boglerdude. I have been doing the intermediate term option as my solution by using the GOVT etf which does also have slice of long term treasuries but is effectively an intermediate fund. This has just now made me wonder if an even better option would be ...

Thanks for the thought dumps in the last couple of posts. I enjoyed the reads. 425's post left me thinking about why would it be Bitcoin that people save in? I can only think of it as a last ditch effort for savings in a country where you have no legal rights to your savings. The better options in c...

I looked at value funds really hard and couldn't bring myself to believe in them. I think for a value fund to continuously work it would have to be a highly active fund. From what I could remember, all of the historical out performance is based on indexes that were not actual funds during the out pe...

Wow 15%. I am glad it paid off. That would scare me too much with its volatility. 1 or 2% is still about all I think I could stomach but it wouldn't really make any difference at that level so still not in it.


Michael Saylor is for sure a great salesman. He is so entertaining to watch.

What percentage would you allocate to bitcoin in your portfolio? Would it be enough to matter?

Why not invest the same amount in a single stock like NVIDIA or MicroStrategy that would have had an even better return over the last year?

Interesting. I don't know that I watched it completely but from what I saw, his intelligence is what I noticed more than anything. The next thing I was shocked by is that he hasn't even spoken to Biden since the conflict started. https://www.rev.com/blog/transcripts/tucker-carlson-interviews-vladimi...

Thank you for the reminder of intermittent fasting. This has been a game changer for me. Most recently before that I was trying to just eat healthier with low carb but it was unrealistic for my cravings. I had previously had trouble with intermittent fasting but something was finally able to click i...

I have also thought about this conundrum and took cash out of Roth accounts. I now just do three equal parts of stocks, gold and intermediate bonds in Roth and traditional retirement accounts. Then save in only cash outside of retirement accounts. It ends up being balanced enough for me. If somehow ...

I kind of do 33 x 3 but use a total bond fund more like an intermediate bond fund. I also save cash separately.

It has had more volatility historically but a bit higher return.

I found this interesting. US Bank covers 4 major asset classes that are essentially the 4 parts of the permanent portfolio.

4 major asset classes explained
https://www.usbank.com/financialiq/inve ... ified.html

I do have some of the Fidelity zero expense fund and it has been fine in performance but didn't compare it with vanguard recently. After watching this bogleheads interview with vanguard fund manager, they did a good job selling me on their funds even if expense ratio is a bit more. The difference be...

I expect total world stock and bond funds are more popular in other countries outside of USA. Total world options are almost non existent in the US. If I was outside of the US and wanted to stay there I think I would hold some local cash and then split in thirds total world stock, total world bonds ...

https://www.securityanalysis.org/p/jared-dillian-those-bastards#details I really enjoyed this podcast mostly just for entertainment. Jared's buy and hold portfolio recommendation is very close to golden butterfly. 20 percent in each Stocks Reits Bonds Cash Gold He started out criticizing a random wa...

Tempting, but I dunno if I trust "anti-ethical" managers to not front-run their index ;) I probably missed your reference about the managers but I wouldn't have any fear of them front running the fund. The reason I found the fund is because it uses the same index provider that the zero ex...

Here is a good European voice on not overweighting as well.

Lars Kroijer
https://youtube.com/playlist?list=PLXy7 ... ure=shared


So like bogglerdude said, You already own Reits in a stock fund so no reason to overweight them.

Here is a reasonable non-esg sp 500 ETF: STRV Strive 500 ETF https://www.strivefunds.com/strv I came across it just recently by accident and found out it is co-founded by Vivek Ramaswamy. It is still an index fund but it appears they would be using voting abilities for non-esg policies. The expense ...

I can't argue. I am thankful for GLDM and IAUM. I am happy enough to split between the two to balance some risk and to support them both.

BNY Mellon US Large Cap Core Equity ETF (BKLC) https://im.bnymellon.com/us/en/intermediary/products/etf/fund/bny-mellon-us-large-cap-core-equity-etf.html I have been watching this ETF the last few months that has zero expenses. Currently it is more of a mega cap fund holding about 200 of the largest...