that one is around 38% tech stocks! Far higher than the 25% benchmark.
So that one is heavily tech.
Contra, if we add tech and comms we get to 40%.
See where I am coming from, Flagpole? These funds don't say 'tech' on them, but they are very techy. I'm 95% sure that's what's going on here. You don't seem to understand the techy composition of your mutual funds.
And that matches the pattern of your performance, notably underperforming in 2022 and outperforming in 2023, for example.
Agip - here are the top holdings of VTI (Vanguard total stock market) and this is similar to many of the other more popular funs (very tech heavy):
Apple Inc AAPL 6.25% Microsoft Corp MSFT 5.61% Amazon.com Inc AMZN 2.25% NVIDIA Corp NVDA 1.59% Alphabet Inc Class A GOOGL 1.57% Berkshire Hathaway Inc Class B BRK.B 1.41% Alphabet Inc Class C GOOG 1.34% Meta Platforms Inc Class A META 1.31% Exxon Mobil Corp XOM 1.18% UnitedHealth Group Inc
yeah in the SP500 adding the tech and comms sector you get to 38%. The stock market is very heavily in tech so any index investor owns a whole lot of the big giants. And I don't even know which sector Amazon is in.
Agip - here are the top holdings of VTI (Vanguard total stock market) and this is similar to many of the other more popular funs (very tech heavy):
Apple Inc AAPL 6.25% Microsoft Corp MSFT 5.61% Amazon.com Inc AMZN 2.25% NVIDIA Corp NVDA 1.59% Alphabet Inc Class A GOOGL 1.57% Berkshire Hathaway Inc Class B BRK.B 1.41% Alphabet Inc Class C GOOG 1.34% Meta Platforms Inc Class A META 1.31% Exxon Mobil Corp XOM 1.18% UnitedHealth Group Inc
yeah in the SP500 adding the tech and comms sector you get to 38%. The stock market is very heavily in tech so any index investor owns a whole lot of the big giants. And I don't even know which sector Amazon is in.
If you are a fund manager and don't have Apple, Ndivia, Amazon, MSFT and other high tech stocks, you are going to get trounced.
Nope! You're wrong...as I already stated, I could be equally Dividend and tech and be right on 12% like I am this year.
You are not correct. Also, pride isn't something I have about anything...it's a wasted emotion.
If "pride" is an emotion you care nothing about, why do you continually talk about being the smartest person here, having huge biceps and having beat the market 32 of 33 years? That seems like someone who is might proud of those things.
I deal in FACTS only. A fact about me doesn't have to mean I'm proud of that fact. I have also mentioned here that I am the worst artist (as in drawing) I have ever seen...that's not something to be proud of...it just is...like my HUGE biceps and the fact that I am smarter than everyone here. It just IS. I can't change the facts. I can only report on the facts.
If "pride" is an emotion you care nothing about, why do you continually talk about being the smartest person here, having huge biceps and having beat the market 32 of 33 years? That seems like someone who is might proud of those things.
I deal in FACTS only. A fact about me doesn't have to mean I'm proud of that fact. I have also mentioned here that I am the worst artist (as in drawing) I have ever seen...that's not something to be proud of...it just is...like my HUGE biceps and the fact that I am smarter than everyone here. It just IS. I can't change the facts. I can only report on the facts.
Around here, you're only as good as your last stock tip,
Failing that, we'll settle for some market insight.
CD ladder kind of stuff is pretty low on the scale, though it did have it's place when everyone was in cash last year.
I deal in FACTS only. A fact about me doesn't have to mean I'm proud of that fact. I have also mentioned here that I am the worst artist (as in drawing) I have ever seen...that's not something to be proud of...it just is...like my HUGE biceps and the fact that I am smarter than everyone here. It just IS. I can't change the facts. I can only report on the facts.
Around here, you're only as good as your last stock tip,
Failing that, we'll settle for some market insight.
CD ladder kind of stuff is pretty low on the scale, though it did have it's place when everyone was in cash last year.
I submit to you that anyone who give a "stock tip" is either full of it OR breaking the law because they have insider knowledge they shouldn't share. No just legally informed person has a good "stock tip."
The ONLY good stock tip that doesn't fall into one of those two categories is if the tip is just to invest in stocks...only in mutual funds and as diversified as possible. Do it without fail. It should be your main priority after shelter and food.
Publix Chocolate Trinity is my favorite brand. I haven't bought any for at least a year because I can't control myself in it's presence. It's one of those foods where if I start to eat it, I'll eat the whole carton. Better to not bring it into the house, avoid temptation.
Around here, you're only as good as your last stock tip,
Failing that, we'll settle for some market insight.
CD ladder kind of stuff is pretty low on the scale, though it did have it's place when everyone was in cash last year.
I submit to you that anyone who give a "stock tip" is either full of it OR breaking the law because they have insider knowledge they shouldn't share. No just legally informed person has a good "stock tip."
The ONLY good stock tip that doesn't fall into one of those two categories is if the tip is just to invest in stocks...only in mutual funds and as diversified as possible. Do it without fail. It should be your main priority after shelter and food.
I submit to you that anyone who give a "stock tip" is either full of it OR breaking the law because they have insider knowledge they shouldn't share. No just legally informed person has a good "stock tip."
The ONLY good stock tip that doesn't fall into one of those two categories is if the tip is just to invest in stocks...only in mutual funds and as diversified as possible. Do it without fail. It should be your main priority after shelter and food.
Flagpole and i agree on this 100%.
Fellas, what are you doing?
We get it, build a solid foundation of diversified funds, add in a few months cash reserves. max out the company match.... then you might try some individual stocks with a small portion of your portfolio that you can risk losing if it were to come to that (abbreviated version).
So how do you pick what that stock, or handful of stocks, might be? Well, you read recommendations from analysts, you do a little research and due diligence, you keep your eyes and ears open for recommendations and stock tips, all within the parameters of the above.
And don't forget that stuff about your risk tolerance.
It's not so hard, now is it?
Look, this fella did just that 3 months ago, see link below. And if one were open minded and receptive and attune, they would have made nothing less than a 60% return on investment. Not bad for less than 3 months, no? And lest I forget:
We get it, build a solid foundation of diversified funds, add in a few months cash reserves. max out the company match.... then you might try some individual stocks with a small portion of your portfolio that you can risk losing if it were to come to that (abbreviated version).
So how do you pick what that stock, or handful of stocks, might be? Well, you read recommendations from analysts, you do a little research and due diligence, you keep your eyes and ears open for recommendations and stock tips, all within the parameters of the above.
And don't forget that stuff about your risk tolerance.
It's not so hard, now is it?
Look, this fella did just that 3 months ago, see link below. And if one were open minded and receptive and attune, they would have made nothing less than a 60% return on investment. Not bad for less than 3 months, no? And lest I forget:
I'm not cut out for individual stock buying. The problem is that I have no conviction in single names. I don't know what's going on...I don't know sales numbers or whatever...I have no reason to think a stock is undervalued or not.
But I have solid faith that the stock market as a whole will rise over time.
On the ground, the result is that if a stock goes down 10% I panic sell it, thinking I was the last guy in and the party is over. And I'd never ever hold a stock at more than up 50% or so. Whereas if the stock market goes down 10% I know it will do that from time to time so I don't sell. And of course if it goes up a lot I do not sell either.
So yeah it can be very hard and unwise for some people like me buy individual names.
This post was edited 38 seconds after it was posted.
We get it, build a solid foundation of diversified funds, add in a few months cash reserves. max out the company match.... then you might try some individual stocks with a small portion of your portfolio that you can risk losing if it were to come to that (abbreviated version).
So how do you pick what that stock, or handful of stocks, might be? Well, you read recommendations from analysts, you do a little research and due diligence, you keep your eyes and ears open for recommendations and stock tips, all within the parameters of the above.
And don't forget that stuff about your risk tolerance.
It's not so hard, now is it?
Look, this fella did just that 3 months ago, see link below. And if one were open minded and receptive and attune, they would have made nothing less than a 60% return on investment. Not bad for less than 3 months, no? And lest I forget:
I'm not cut out for individual stock buying. The problem is that I have no conviction in single names. I don't know what's going on...I don't know sales numbers or whatever...I have no reason to think a stock is undervalued or not.
But I have solid faith that the stock market as a whole will rise over time.
On the ground, the result is that if a stock goes down 10% I panic sell it, thinking I was the last guy in and the party is over. And I'd never ever hold a stock at more than up 50% or so. Whereas if the stock market goes down 10% I know it will do that from time to time so I don't sell. And of course if it goes up a lot I do not sell either.
So yeah it can be very hard and unwise for some people like me buy individual names.
I hear you. My downfall was that I came into this whole thing in the heyday of the burgeoning internet, about 1995. The story dejour was always 'if you bought company X when it was young, it would be worth __ now." Back then it was Microsoft, and the point was that a $5K investment when it was young would be worth something like over a million in current dollars. And I just looked it up, and the number as of 2019 would be the $5k investment would be worth $10,592,104 at the time of the writing of the Motley Fool article I just read it in (2019).
That got me hooked.
A lot of stories from back then, and their good ones.
We get it, build a solid foundation of diversified funds, add in a few months cash reserves. max out the company match.... then you might try some individual stocks with a small portion of your portfolio that you can risk losing if it were to come to that (abbreviated version).
So how do you pick what that stock, or handful of stocks, might be? Well, you read recommendations from analysts, you do a little research and due diligence, you keep your eyes and ears open for recommendations and stock tips, all within the parameters of the above.
And don't forget that stuff about your risk tolerance.
It's not so hard, now is it?
Look, this fella did just that 3 months ago, see link below. And if one were open minded and receptive and attune, they would have made nothing less than a 60% return on investment. Not bad for less than 3 months, no? And lest I forget:
If it's so easy to pick winners, how come you (and everyone else) can't beat the market? All that running around, doing research, listening to analysts, making trades....and you can't even beat an index fund. If you just enjoy the process win or lose that's fine, knock yourself out. But if your only goal is grow your nest egg for retirement then all that nonsense is just a colossal waste of time and money. Put everything in an S&P 500 index and a total bond market index and leave it be.
We get it, build a solid foundation of diversified funds, add in a few months cash reserves. max out the company match.... then you might try some individual stocks with a small portion of your portfolio that you can risk losing if it were to come to that (abbreviated version).
So how do you pick what that stock, or handful of stocks, might be? Well, you read recommendations from analysts, you do a little research and due diligence, you keep your eyes and ears open for recommendations and stock tips, all within the parameters of the above.
And don't forget that stuff about your risk tolerance.
It's not so hard, now is it?
Look, this fella did just that 3 months ago, see link below. And if one were open minded and receptive and attune, they would have made nothing less than a 60% return on investment. Not bad for less than 3 months, no? And lest I forget:
If it's so easy to pick winners, how come you (and everyone else) can't beat the market? All that running around, doing research, listening to analysts, making trades....and you can't even beat an index fund. If you just enjoy the process win or lose that's fine, knock yourself out. But if your only goal is grow your nest egg for retirement then all that nonsense is just a colossal waste of time and money. Put everything in an S&P 500 index and a total bond market index and leave it be.
10 years:
Tech (VGT) +20% per year
SP500 (SPY): +12% per year
once we accept that the SP500 is beatable over long periods of time, we open the door to looking for winners. Which has not been a colossal waste of time at all over the last 10,15 years if you chose tech.
If it's so easy to pick winners, how come you (and everyone else) can't beat the market? All that running around, doing research, listening to analysts, making trades....and you can't even beat an index fund. If you just enjoy the process win or lose that's fine, knock yourself out. But if your only goal is grow your nest egg for retirement then all that nonsense is just a colossal waste of time and money. Put everything in an S&P 500 index and a total bond market index and leave it be.
10 years:
Tech (VGT) +20% per year
SP500 (SPY): +12% per year
once we accept that the SP500 is beatable over long periods of time, we open the door to looking for winners. Which has not been a colossal waste of time at all over the last 10,15 years if you chose tech.
Hindsight is 20/20, anyone can pick yesterday's winner. Now tell me which fund will beat SPY over the next 10 years? You can't, because you don't have a clue.
once we accept that the SP500 is beatable over long periods of time, we open the door to looking for winners. Which has not been a colossal waste of time at all over the last 10,15 years if you chose tech.
Hindsight is 20/20, anyone can pick yesterday's winner. Now tell me which fund will beat SPY over the next 10 years? You can't, because you don't have a clue.
Hindsight is 20/20, anyone can pick yesterday's winner. Now tell me which fund will beat SPY over the next 10 years? You can't, because you don't have a clue.