seattle prattle wrote:
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You can add me to your list of masters exercisers who have had A-fib issues. Like within the last few weeks. Follow-up appt. with the cardiologist later this week as a matter of fact. Looks like it ay turn out to be a one-off event, but we need to drill down deep enough to know for sure.
What were we saying about running and superior health? LOL.
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May I ask how long have you had these A-fib issues?
cause and affect wrote:
seattle prattle wrote:
…
You can add me to your list of masters exercisers who have had A-fib issues. Like within the last few weeks. Follow-up appt. with the cardiologist later this week as a matter of fact. Looks like it ay turn out to be a one-off event, but we need to drill down deep enough to know for sure.
What were we saying about running and superior health? LOL.
…
May I ask how long have you had these A-fib issues?
I just had an episode after surgery for a recent injury.
Then it went into bracardia, which has been an ongoing issue.
Naturally low heart rate made even a lot lower due to running.
In terms of the A-Fib, that is the only occurrence i know of, but now I am getting word they have reason to recommend some serious hardware. Will sort it out with them but not convinced. I've got a very good health prof. in my corner who can sort this out with me.
Sweglord369 wrote:
Crypto! We back!
Up more in a single day than Hussmann “strategic growth” index in like 15 years.
“Strategic” must mean “negative” in Hussmann-speak.
You jinxed it.
seattle prattle wrote:
I realized that I may have not given you the answer you've asked for, investing noob.
529s and the like do not offer a particularly wide range of investment options. If you save it in your own cash brokerage account, you may do better, and so much better, that it offsets the tax liability that you bypassed by not using the 529/Get/etc. I can go into more detail, but if you are particularly good managing your investments, the difference may exceed the taxes due on those gains.
One benefit of the 529/GET/Cloverdales are that they are structured, savings and you can't access them for anything but their intended educational purpose. Most people need this to be at all viable. And of course, there are the tax free gains , as well.
I support those programs and I would advise most folks to use them to their full capacity.
We have the Fidelity 529 and put everything into the S&P fund FXAIX. If we were to save in a taxable account, we'd invest in the same thing or VTI which is basically the same.
investing noob wrote:
seattle prattle wrote:
I realized that I may have not given you the answer you've asked for, investing noob.
529s and the like do not offer a particularly wide range of investment options. If you save it in your own cash brokerage account, you may do better, and so much better, that it offsets the tax liability that you bypassed by not using the 529/Get/etc. I can go into more detail, but if you are particularly good managing your investments, the difference may exceed the taxes due on those gains.
One benefit of the 529/GET/Cloverdales are that they are structured, savings and you can't access them for anything but their intended educational purpose. Most people need this to be at all viable. And of course, there are the tax free gains , as well.
I support those programs and I would advise most folks to use them to their full capacity.
We have the Fidelity 529 and put everything into the S&P fund FXAIX. If we were to save in a taxable account, we'd invest in the same thing or VTI which is basically the same.
In that case, most definitely seek the tax advantages offered by the 529.
College funds aren't the kind of thing most people would speculate with.
all time high SP500
Alright macro trends: energy/oil
Have held XLE for over a year (think somebody here tipped it)… time to dump? Up about 40%. Would be nice to take profits, but maybe wait until Jan to defer tax bill to 2023?
My bet is that Omicron contagiousness + boosted vax for vulnerable makes covid go full herd immunity by the end of winter.
Thus covid isn’t a big deal, and the reality of green energy transition being long and gradual takes its hold. Prices up? Hold?
VTI has a 16.33% annual return over the last 10 years. Over the last 3 years it has an annual return of about 22% even with the pandemic. At that rate you are about doubling your investment ever 3.5 years. Not too shabby.
Sally Vixxxxxxxxens wrote:
VTI has a 16.33% annual return over the last 10 years. Over the last 3 years it has an annual return of about 22% even with the pandemic. At that rate you are about doubling your investment ever 3.5 years. Not too shabby.
Return driven by components of the top ten holdings (guess who?), which just happen to be 25% of the fund. Probably one of the worst picks for the next ten years.
Ghost of Igloi wrote:
Sally Vixxxxxxxxens wrote:
VTI has a 16.33% annual return over the last 10 years. Over the last 3 years it has an annual return of about 22% even with the pandemic. At that rate you are about doubling your investment ever 3.5 years. Not too shabby.
Return driven by components of the top ten holdings (guess who?), which just happen to be 25% of the fund. Probably one of the worst picks for the next ten years.
Look at many of the most popular index funds and the top ten holdings of most are almost identical.
Sally Vixxxxxxxxens wrote:
Ghost of Igloi wrote:
Return driven by components of the top ten holdings (guess who?), which just happen to be 25% of the fund. Probably one of the worst picks for the next ten years.
Look at many of the most popular index funds and the top ten holdings of most are almost identical.
Oh, and that gives you confidence?
Ghost of Igloi wrote:
Sally Vixxxxxxxxens wrote:
Look at many of the most popular index funds and the top ten holdings of most are almost identical.
Oh, and that gives you confidence?
Just the opposite. If the wheels come off it is going to hit hard.
OK, I thought you believed it would continue to double every 3.5 years. More likely to experience a Tech Bubble like return:
“A year after the Nasdaq peaked in March 2000, the Nasdaq was down 59.3%. All five of these big tech stocks had taken a hit. IBM was the most resilient of the group, declining just 5.4%. Microsoft shares were down 43.8%, Intel shares were down 51%, Oracle shares were down 59.8% and Cisco shares were down 69.7%.
By March 10, 2010, the Nasdaq was still down 53.2% from its dot-com bubble peak a decade later. IBM was the only stock that had generated decent returns, gaining 19.5% overall during that 10-year stretch. Oracle shares were down 39%, Microsoft shares were down 42.6%, Cisco shares were down 62% and Intel shares were down 64.7% during the first decade following the dot com bubble peak.”
—Yahoo
Seven out of eight indexes on our world watch list posted gains through December 27, 2021. The top performer is France's CAC 40 with a gain of 28.62%, our own S&P 500 is in second with a gain of 27.56%, and India's BSE SENSEX is in third with a gain of 20.25%. Coming in last is Hong Kong's Hang Seng with a loss of 14.83%.
Porsche Cayman wrote:
Seven out of eight indexes on our world watch list posted gains through December 27, 2021. The top performer is Mannheim Used Car Index up an amazing 48,6%, leading France's CAC 40 with a gain of 28.62%, our own S&P 500 is in third with a gain of 27.56%, and India's BSE SENSEX is in fourth with a gain of 20.25%. Coming in last is ARKK with a loss of 20.83%.
Ghost of Igloi wrote:
Sally Vixxxxxxxxens wrote:
VTI has a 16.33% annual return over the last 10 years. Over the last 3 years it has an annual return of about 22% even with the pandemic. At that rate you are about doubling your investment ever 3.5 years. Not too shabby.
Return driven by components of the top ten holdings (guess who?), which just happen to be 25% of the fund. Probably one of the worst picks for the next ten years.
How can VTI be one of the worst picks?? I'm all in VTI.
Least year Cathie Wood predicted ARKK would have 20% returns in 2021. It had -25%.
Now she predicts 40% returns per year for the next 5 years? LoL.
investing noob wrote:
Ghost of Igloi wrote:
Return driven by components of the top ten holdings (guess who?), which just happen to be 25% of the fund. Probably one of the worst picks for the next ten years.
How can VTI be one of the worst picks?? I'm all in VTI.
I suppose you will be fine as long as this massive equity bubble is maintained, otherwise it will go the way of all bubbles of the past thousand years.
Ghost of Igloi wrote:
investing noob wrote:
How can VTI be one of the worst picks?? I'm all in VTI.
I suppose you will be fine as long as this massive equity bubble is maintained, otherwise it will go the way of all bubbles of the past thousand years.
If you had bought $10,000 of MSFT at the HEIGHT of the dot-com bubble it would be worth about $70,000 today.
Hussmann "Strategic" fund (HSGFX) has a 10-year return of NEGATIVE 6.13%.
Sally Vixxxxxxxxens wrote:
Ghost of Igloi wrote:
I suppose you will be fine as long as this massive equity bubble is maintained, otherwise it will go the way of all bubbles of the past thousand years.
If you had bought $10,000 of MSFT at the HEIGHT of the dot-com bubble it would be worth about $70,000 today.
Hussmann "Strategic" fund (HSGFX) has a 10-year return of NEGATIVE 6.13%.
That factoid has zero to do with the next ten years. On the other hand is most likely negative correlated.