A weekly thread to discuss financial matters - from personal all the way up to global.
Ground Rules
- Remember that we're all just Internet randos. Don't bet your life savings on a hot tip from this thread.
- Keep culture war in the culture war thread. Yes, global events may impact our personal finances, but that does not mean we have to incessantly harp on culture war aspects here. If you are going to discuss it, please stick to the practical impacts of it on an individual level.
- Be kind. Remember that everyone here comes from different circumstances. We all have different resources available and different risk tolerances.
- Don't let the perfect be the enemy of the good. Better is better. Celebrate people when they take a step up and work to move their finances in the right direction. Don't flame out because they haven't followed what you consider the optimal path. Everybody has to start somewhere.
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Notes -
Probably fine with current plan. But depends on more specific time horizon. Personally I like owning long term US rates here so maybe you could go 20-30% there. If it’s a couple years you might be able to do something like 30% equity, 30% mbs/tlt, 30% t-bill type things, maybe 10% REIT/listed private credit.
PC maybe a small amount here because of the high yields and discounts to NAV. Small equity + Fixed income I much prefer to try to get some returns instead of doing a listed covered call etf
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