Investing Strategies. What is your move?

PWMDMD said:
Of course, I don't know anyone's specific situation unless they choose to share but Im not calling anyone out either. You're getting into a strawman argument here because:

1. I'm not talking to you specifically. In the post that set off this latest tiff I was agreeing with you or at least the general sentiment of your comment but you apparently took it as some kind of attack. My comment wasn't about you or what you do or don't do. I simply agreed that the debt ceiling was baked in already.

2. Most of my comments are general comments made to no one specifically. They're certainly not attacks on anyone, simply another way of looking at it, which I share for the benefit of the group, take it or leave it. You don't want to hear it but this isn't your discussion and you're not the only one reading it. If you disagree I welcome a healthy debate. If you don't care to debate then scroll on because this isn't specifically about you.

3. You accuse me of "trolling" by consistently offering very sound advice. I don't care that you don't want to hear it because it's not all specifically about you. New people start reading threads all the time so as much as you don't want to hear it I don't really care. I'll stop offering this sound advice when it stops being sound advice. Your desire to not read something that is counter to you beliefs has no material impact on the veracity or quality of the advice. If trolling is simply me having an opinion that is different than yours then I guess I'm trolling and you'll have to live with that.

4. Warstud specifically asked so yes, I specifically answered. There are potentially people reading this thread that are interested in personal investment who have varied backgrounds and who haven't heard both sides of the argument and so again this isn't about you.
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If you specifically reply to my post, then how can it not in some manner be directed at me?

I made no strawman argument. I haven't even claimed your strategy is right or wrong. I simply posited that your trolling because you actively disagree with anything other than what you do.
 
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It’s best to agree to disagree and move on rather than getting this thread locked by the mods.

Investing strategies come in many flavors to suit most anyone that wants to invest. The notion that everyone should be in 100% equities is not prudent for many considering their tolerance to risk and their goal in life.
 
SC Maintenance said:
If you specifically reply to my post, then how can it not in some manner be directed at me?

I made no strawman argument. I haven't even claimed your strategy is right or wrong. I simply posited that your trolling because you actively disagree with anything other than what you do.
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I replied to your post to agree with your statement that the debt ceiling deal was already baked in the market and then I made a general comment, not in opposition to your comment which was correct, but to extend the baked-in argument to be more generalized, an idea that is solidly supported and widely written about in the literature on markets. You may disagree with this extension but fundamentally I replied to your post to AGREE with you. If you disagree with the generalization all that was required was something like a disagree that it can be generalized +/- some reason. Cool, that's a discussion.

Instead, your next reply was to question if I was trolling to which I replied with a post of 120 quotes to break the tension. Your reply to that was to accuse me of calling everyone stupid and definitely calling me a troll.

I have no desire to escalate anything and my goal is to simply discuss INVESTING STRATEGIES - the name of the post. I only replied to your post because you said something I agree with and I gave a little more context that you then happened to disagree with. Too bad, so sad...it's not your personal thread to decide what is or isn't valid content.
 
Dave Hess said:
There’s some people that can lose 60% of their portfolio balance and still be fine.

There has to be an exit and draw down strategy.
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Depends, I always invest for the "infinite" horizon instead of "I want to spend all my money by the time I'm 85". I have family member living to 92 and my wife's side has a grandpa living to 106, so I'm not going to draw down and spend them all. These days you can't expect the kids to support you or even outlive you, you may actually outlive your kid if you get to 106 like my wife's grand uncle.
 
PandaBear said:
Depends, I always invest for the "infinite" horizon instead of "I want to spend all my money by the time I'm 85". I have family member living to 92 and my wife's side has a grandpa living to 106, so I'm not going to draw down and spend them all. These days you can't expect the kids to support you or even outlive you, you may actually outlive your kid if you get to 106 like my wife's grand uncle.
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The other thing that you and I have to deal with here in Silicon Valley is the cost of housing. We will probably have to help the next generation with down payments and such.
 
Very long life or very high inflation can have the same negative impact on your retirement quality of life. Like Panda, I invest for the infinite horizon to offset either possibility. While I'm not 100% in stocks, I will not invest in bonds unless they are short term with attractive interest rates. Looks like there are a lot of banks that should have embraced that philosophy.
 
PimTac said:
Regular is $4.74 just up the street. We will be seeing $5 plus soon.
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I did the solar project as a hedge against future electricity prices, as I knew I would be retiring and would use more electricity. Plus the PG&E NEM-2 program was pretty good. Rolling a new roof into the project and getting 30% tax credit sealed the deal. I pulled the trigger after maybe 4 years of consideration. Turned out to be a pretty lucky decision. The Tesla was more of a high tech gift for my wife and support of the local Fremont plant workers. Like many, I did not see Tesla as a viable car company long term. I was wrong and cannot see myself buying another new ICE vehicle again. The EV is way more fun and definitely ultra low cost to operate.

Sometimes you get lucky.
 
Apple is getting the attention today as their annual WWDC meeting today. Their VR headset is the big focus.
 
PimTac said:
The presentation can explain it better than I but it goes beyond gaming. It’s for work, home and a lot more. It’s a wearable spatial computer.


https://www.apple.com/apple-vision-pro/
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Gimmicky. No one is going to sit on a Teams call wearing this stupid thing. A lot of people will buy it, claim it's the greatest thing ever and then it'll end up sitting in a drawer.
 
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