Horseman

In the simplest of terms and let's use @IGotWorms S&P 500 example: A S&P 500 Index Fund matches exactly what the S&P does. If the S&P goes up 50% your investment will go up 50%. That's what index funds were designed to do. If worms sets up an account with 80% in his S&P Index and 20% in a Bond Index Fund he will perform exactly how those two markets perform at a 80:20 ratio. The way he beats those two markets is by regularly rebalancing. If equities do good he might check his account and find his ratio has changed to 85:15. He sells 5% of the S&P high and buys 5% of the bond fund low. At the end of the investment period he effectively has more shares by repeatedly buying low and selling high. He would beat the S&P/Bond market at 80:20 ratio.

I was extremely lucky when I heavily invested in AMZN and GOOG nine years ago. I am extremely lucky to have a high paying job and am able to invest 90K a year into Roth type retirement accounts. I am extremely lucky that I own privately held company stock that regularly outperforms "the market" buy a significant amount. I am very unlucky at playing the lottery. I recently sold half of every individual stock I own valued more than 250K, some I sold outright, and am investing in the total market as I explained in the other thread. And I'm going to continue to sell more and do the same. You can do just the S&P 500, there is nothing wrong with that. I'm not knocking that at all. It's a lot less risky than what I did 9 years ago. But for me right now heading into retirement I'm moving into total market index funds with more diversification and less risk.

That's all I'm doing. Total market (not just 500 companies) plus international (not just US). By definition a total market index fund meets the market. Good or bad, that's what it does. I beat the market by regular rebalancing (sell high, buy low) between stocks and bonds and using zero cost funds. It's simple math.

The point and example is lost on you. I expected that. You're not what I'd classify as "highly educated".

Grammar, spelling and formatting. No, just the guy that points to a communication method as an example of intelligence that has trouble using it.

Did I mention that a lot of those funds are zero cost? Not just low cost, ZERO cost.

You're going to have to define "the market". Because you're betting that the S&P 500 is going to beat....something. Just those 500 companies. I'm am investing in the total market so I'm guaranteed to beat the market. The funds are designed to meet the market (that's what index funds do, like the S&P), plus, I will be rebalancing. Don't confuse diversification with complicated. If the S&P beats the total market, good for you. And there is a good chance it will over a long investment period. But, I'm willing to take less risk being flush with cash and heading into retirement.

Always smart to log in with the different alias after getting creamed the day prior.

There is a difference between smart people seeking out a college education and a college education making dumb people smart. You're arguing the latter with your proof being the former. As a matter of example, it's "we are communicating like we are because folks chose" and the earlier trouble using the formatting. Smart people who got a college education developed this type of communication. A dumb person who got a college education is struggling to use it.

Wait until you're sick to find the mold, brilliant. Thanks for proving my point. And no, home inspectors aren't going to find leaks in the ductwork.

Let me guess. You're multi vaxxed and wore a mask the entire time during covid. Most of these things are common sense that you keep ending up on the wrong side of. You should give your tiny brain a rest.

So take in an extra large concentrated helping then? That's fine if you want to breathe in other people's squalor. You can't argue that it's not a good idea for a new home to ensure adequate air flow and leaks. Along with things that everyone agrees are not good for your health like mold and dead animals.

Put MDC on the Pedo watch list along with Squis, Tim and Gutter already on there.

Seriously? The only significant thing we found when we cleaned our ducts was a dead mouse. But, you really want to be breathing in a rotting mouse corpse? Not to mention the previous owner's dead skin, pet hair. What if you have mold. When done right it also helps find any leaks in the system. I'm not saying you have to do it routinely, but, when buying a new home I want a full inspection and that includes the inside the ducts. Feel free to live in other's squalor if you want.

That's so foking gross.

The picture of the phone taped to the seat lid. That's metal helmet stupid. Nothing fishy going on there.

"13 year old with a body of a 20 year old" - Tim Schochet

Welcome to home ownership. These are the costs that everyone conveniently leaves out in the renting vs. owning thread. Let you be the example, short time home owner, and so far: - House Painted - Tree Removal - Pest Control Keep the idiots in the other thread updated. In my area there are several 5 star review companies that do a complete attic and crawl space inspection. They they will help you address any issues: pests, leaks, lack of insulation. I'd look for one of those with lots of positive reviews. Being a new home it's probably something you need to have done anyway (edit: should have been done before you bought the house). Obviously if you have pest or leaks or are missing insulation you'll need to get that fixed right away. If they suggest more installation, that is a an R-value calculation we can look at. Another thing I suggest you have done is cleaning of all the ducts. You never know what kind of stuff is left over in the ducts from the previous owners. Also, are you on sewer or septic? If you're on septic you should have had an inspection done when you purchased the home, which reminds me. Get out that home inspection because it might point to things that you need to work on repairing/improving.

They did. Not going to play the retard semantics game with you. Everyone sees through your act. Piss into the wind.

You think the Independent School District of Fort Worth is lying when they said they had the books on the shelves and then removed them when confronted about it? A lie that incriminates themselves rather than just saying the books were never there if they weren't? This ladies and gentlemen is the lengths of mental gymnastics these brain dead libs like Squidtard are willing to go to defend everything pedo/tranny/gay and black. You don't need any further proof that his opinions aren't worth chit. First class scum bucket.

Highly educated can't even figure out fonts.

Try reading the thread asss rot. Holy fok you are dumb.

A tad risky. It matters because some of these clowns that spout off all day like they are some sort of expert really dont have any idea, they can't even tell you, likely just some default 401k target fund they dont even understand.

Way worse than Russiagate.

Thegeneral knee jerk posts, without an ounce of thought, towing the line. It is trolling, but, I'm not sure he's intelligent enough to know it.