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Which ETF to put $100k in as a younger millenial?

my pops said putting it in VOO is too risk averse. what shou...
white impressive immigrant
  11/28/24
that is dumb advice, VOO over time is one of the best invest...
Sickened mildly autistic den
  11/29/24
IBIT and ETHA
Galvanic set
  11/28/24
im already in crypto. that's a lil too much risk for me. sho...
white impressive immigrant
  11/28/24
Don't be a little bitch
Galvanic set
  11/28/24
IBIT was good when it came out at like 27
motley bearded international law enforcement agency
  11/28/24
AAA ticker has various Game Studios
sepia selfie
  11/28/24
https://finance.yahoo.com/news/ubisoft-expects-39-drop-third...
soggy cocky laser beams toaster
  11/28/24
The State of Gaming wjw
sepia selfie
  11/28/24
keep 95 cash, split 5k on mix of calendar spreads, diagonal ...
stirring bistre stage faggot firefighter
  11/28/24
Put 1/2 in VOO, 1/2 in a 3x S&P like UPRO. That way yo...
doobsian lascivious police squad
  11/28/24
lol yeah just do pay the drag of a 3x leverage fund for the ...
maize knife
  11/28/24
WTF are you talking about and did you read what I wrote? If...
doobsian lascivious police squad
  11/28/24
That's not how leverage works, it isn't simply a profit mult...
effete menage
  11/28/24
No it won’t. It’s not a sector 3x ETF. You ...
doobsian lascivious police squad
  11/28/24
However, due to daily compounding and market volatility, hol...
maize knife
  11/29/24
Thanks for the copy/paste from the prospectus. You haven't ...
doobsian lascivious police squad
  11/29/24
yeah so you match SPX returns when the SPX is up 26% in 24 m...
maize knife
  11/29/24
im 3Xmo but dont do it when market is near ATH, at least wa...
Brindle deep range
  11/28/24
30% VOO, 30% VGT, 40% SMH
Sickened mildly autistic den
  11/28/24
20% FAG 25% GAY 15% KIKE 10% PISS 15% SHIT 15% CUM
sable histrionic theatre dog poop
  11/28/24
...
Mahogany persian
  11/28/24
VTI, DCAed over a period TBD by you depending on your curren...
Aqua Orchestra Pit Roast Beef
  11/28/24
Right and I wouldn’t worry too much about DCA. Anyt...
Irradiated charcoal piazza alpha
  11/28/24
look at fidelity contra, its a fund not etf but its actively...
Brindle deep range
  11/28/24
You'd be a fool to buy anything other than $100k of BRK-B, w...
Costumed Gunner Dilemma
  11/28/24
...
hot soul-stirring gay wizard principal's office
  11/28/24
why brk-b over qqq?
Blathering senate
  11/29/24
BRK.B = stable, value-oriented investments, nice distributio...
Costumed Gunner Dilemma
  11/29/24
when buffet dies (soon) won't there be a huge hit
Diverse Onyx Lodge
  11/29/24
That would be the time to buy in, although have to figure it...
hot soul-stirring gay wizard principal's office
  11/29/24
update: will put everything into FMET (fidelity's metaverse ...
white impressive immigrant
  11/29/24
you're entrusting your savings to a bunch of middle of the p...
Costumed Gunner Dilemma
  11/29/24
This is cr. That metaverse etf has a YTD return of less than...
Sickened mildly autistic den
  11/29/24
ok i think im convinced. when you spell out the fees in thos...
white impressive immigrant
  11/29/24
The pedigree of Berkshire's track record is sufficient enoug...
Costumed Gunner Dilemma
  11/30/24
Berkshire Hathaway has "fees", the employees make ...
effete menage
  11/30/24
Berkshire portfolio managers comp is FAR more modest relativ...
Costumed Gunner Dilemma
  11/30/24
VOO doesn't have to pay anyone 8-9 figures to manage its inv...
effete menage
  11/30/24
...
frum athletic conference
  11/29/24
ARGT for Argentina equities if you need a risky play with lo...
Chrome Vibrant Water Buffalo Indirect Expression
  11/29/24
50/50 nvda and tsmc
cowardly temple keepsake machete
  11/30/24


Poast new message in this thread



Reply Favorite

Date: November 28th, 2024 5:38 PM
Author: white impressive immigrant

my pops said putting it in VOO is too risk averse. what should i put it in bros?

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391253)



Reply Favorite

Date: November 29th, 2024 1:25 PM
Author: Sickened mildly autistic den

that is dumb advice, VOO over time is one of the best investments one can make.

i'd split it like this:

20% VOO

20% SCHD

20% SCHG

20% SMH

20% VGT



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393120)



Reply Favorite

Date: November 28th, 2024 5:40 PM
Author: Galvanic set

IBIT and ETHA

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391258)



Reply Favorite

Date: November 28th, 2024 5:42 PM
Author: white impressive immigrant

im already in crypto. that's a lil too much risk for me. should i just go full tech or full semiconductors?

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391262)



Reply Favorite

Date: November 28th, 2024 8:14 PM
Author: Galvanic set

Don't be a little bitch

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391580)



Reply Favorite

Date: November 28th, 2024 7:08 PM
Author: motley bearded international law enforcement agency

IBIT was good when it came out at like 27

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391418)



Reply Favorite

Date: November 28th, 2024 5:45 PM
Author: sepia selfie

AAA ticker has various Game Studios

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391270)



Reply Favorite

Date: November 28th, 2024 5:46 PM
Author: soggy cocky laser beams toaster

https://finance.yahoo.com/news/ubisoft-expects-39-drop-third-171420700.html

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391272)



Reply Favorite

Date: November 28th, 2024 5:57 PM
Author: sepia selfie

The State of Gaming wjw

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391301)



Reply Favorite

Date: November 28th, 2024 5:47 PM
Author: stirring bistre stage faggot firefighter

keep 95 cash, split 5k on mix of calendar spreads, diagonal strangles, iron condors, and christmas tree butterflies tranched by sector.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391273)



Reply Favorite

Date: November 28th, 2024 5:50 PM
Author: doobsian lascivious police squad

Put 1/2 in VOO, 1/2 in a 3x S&P like UPRO. That way you dont run risk of being caught in some unfashionable sector and you also don't panic when your 3x ETF drops 6% in a week because some of your investment is more stable.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391282)



Reply Favorite

Date: November 28th, 2024 6:45 PM
Author: maize knife

lol yeah just do pay the drag of a 3x leverage fund for the next 30 years

Ur dad is retarded redditor that thinks bull runs don’t end. Just do Spx

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391370)



Reply Favorite

Date: November 28th, 2024 7:33 PM
Author: doobsian lascivious police squad

WTF are you talking about and did you read what I wrote? If the advice is put it in SPX then there is little risk in 3X SPX. You'll end up with far more money at the next high/bullmarket

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391501)



Reply Favorite

Date: November 28th, 2024 8:34 PM
Author: effete menage

That's not how leverage works, it isn't simply a profit multiplier. It will jack up your volatility and volatility will kill your long-term compound growth rate

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391623)



Reply Favorite

Date: November 28th, 2024 8:47 PM
Author: doobsian lascivious police squad

No it won’t. It’s not a sector 3x ETF. You don’t seem to understand the concept.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391665)



Reply Favorite

Date: November 29th, 2024 1:24 PM
Author: maize knife

However, due to daily compounding and market volatility, holding UPRO over extended periods can lead to performance deviations from the expected multiple. This phenomenon, known as volatility drag or volatility decay, occurs because daily resets cause the fund to "buy high" and "sell low" during volatile markets, eroding returns over time.

WIKIPEDIA

For example, if the S&P 500 experiences significant fluctuations, UPRO's performance may not align precisely with three times the index's cumulative return over the same period. Therefore, UPRO is generally more suitable for short-term trading strategies rather than long-term holdings

you think leverage is free genius?

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393118)



Reply Favorite

Date: November 29th, 2024 2:29 PM
Author: doobsian lascivious police squad

Thanks for the copy/paste from the prospectus. You haven't done any math or research.

In an absolute worst case scenario the yield is equal: Dump everything in at the peak of 2021/2022 and hold until today and the SPY is up 25.5% and the 3X ETF is up 23%

Dollar cost average or just avoid buying the peak and you will do 2x - 3x S&P.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393224)



Reply Favorite

Date: November 29th, 2024 2:34 PM
Author: maize knife

yeah so you match SPX returns when the SPX is up 26% in 24 months. how is that a winner.

people are wayyyy underestimating how unusual this bull run is, it's implicit in the OP's question



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393245)



Reply Favorite

Date: November 28th, 2024 11:10 PM
Author: Brindle deep range

im 3Xmo but dont do it when market is near ATH, at least wait for the 3x to drop 10% and then swing trade it when it goes back up.

since im retarded ive made the mistake of holding SOXL for like 4-5 months now, u lose value doin this as there's price decay with 3X etf

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391933)



Reply Favorite

Date: November 28th, 2024 7:06 PM
Author: Sickened mildly autistic den

30% VOO, 30% VGT, 40% SMH

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391405)



Reply Favorite

Date: November 28th, 2024 7:18 PM
Author: sable histrionic theatre dog poop

20% FAG 25% GAY 15% KIKE 10% PISS 15% SHIT 15% CUM

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391460)



Reply Favorite

Date: November 28th, 2024 11:02 PM
Author: Mahogany persian



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391923)



Reply Favorite

Date: November 28th, 2024 7:34 PM
Author: Aqua Orchestra Pit Roast Beef

VTI, DCAed over a period TBD by you depending on your current investment, next anticipated large cash deposit, etc.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391505)



Reply Favorite

Date: November 28th, 2024 11:14 PM
Author: Irradiated charcoal piazza alpha

Right and I wouldn’t worry too much about DCA.

Anything else is not worth time, effort, risk of stress.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391941)



Reply Favorite

Date: November 28th, 2024 11:10 PM
Author: Brindle deep range

look at fidelity contra, its a fund not etf but its actively managed and somehow they seem to beat SPY and QQQ. expense ratio, .89% or something, is high though

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391934)



Reply Favorite

Date: November 28th, 2024 11:15 PM
Author: Costumed Gunner Dilemma

You'd be a fool to buy anything other than $100k of BRK-B, which, at today's price, is just over 200 shares.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391942)



Reply Favorite

Date: November 28th, 2024 11:23 PM
Author: hot soul-stirring gay wizard principal's office



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48391956)



Reply Favorite

Date: November 29th, 2024 2:17 PM
Author: Blathering senate

why brk-b over qqq?



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393202)



Reply Favorite

Date: November 29th, 2024 6:10 PM
Author: Costumed Gunner Dilemma

BRK.B = stable, value-oriented investments, nice distribution of different industries (insurance, energy, railroads, tech) and exposure to blue chips (Coca Cola, Apple, Amex)

QQQ = highly volatile during downturns (see 2022 tech crash)

BRK.B = insane cash reserves, good position to pivot and acquire undervalued assets during market turmoil

QQQ = concentration risk, 50% of QQQ are in 5 companies, overly reliant on tech

BRK.B = active management, highest quality investment mgmt talent, no bloat, real philosophy, discipline - no pressure to track benchmarkets or quarterly performance

QQQ = passively managed, tracks Nasdaq.

BRK.B = no dividends, instead reinvesting earnings into existing investments or new investments, maximizes compounding over time.

QQQ = dividends but very low (~0.5 yield as of today)



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393910)



Reply Favorite

Date: November 29th, 2024 6:15 PM
Author: Diverse Onyx Lodge

when buffet dies (soon) won't there be a huge hit

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393921)



Reply Favorite

Date: November 29th, 2024 6:54 PM
Author: hot soul-stirring gay wizard principal's office

That would be the time to buy in, although have to figure its priced in to some extent.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394008)



Reply Favorite

Date: November 29th, 2024 6:32 PM
Author: white impressive immigrant

update: will put everything into FMET (fidelity's metaverse etf) at market open. thanks for all the help/advice bros.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48393964)



Reply Favorite

Date: November 29th, 2024 9:47 PM
Author: Costumed Gunner Dilemma

you're entrusting your savings to a bunch of middle of the pack BC/Syracuse Finance grads (https://institutional.fidelity.com/app/proxy/content?literatureURL=/9905810.PDF) instead of Warren Buffett and his team?

with an above average net expense ratio of .40%

$100k and 7% average annual return over 30 years, that's $60k in fees compared to $0 at Berkshire

let's assume you reinvest 2% annual dividends, now you're looking at $100k+ in fees due to that expense ratio.

bad decision.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394294)



Reply Favorite

Date: November 29th, 2024 10:58 PM
Author: Sickened mildly autistic den

This is cr. That metaverse etf has a YTD return of less than 9%

You almost have to be trying to underperform the market this year to get that number.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394488)



Reply Favorite

Date: November 29th, 2024 11:41 PM
Author: white impressive immigrant

ok i think im convinced. when you spell out the fees in those terms, kind of a no brainer. where do i see BRKb's pedigree? i thought they'd be a bunch of IU Kelley grads and wrongly assumed Fidelity would be a HUG/HBS polycule due to location.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394585)



Reply Favorite

Date: November 30th, 2024 1:05 AM
Author: Costumed Gunner Dilemma

The pedigree of Berkshire's track record is sufficient enough. They have literally the best track record of any investment firm in the history of the world, save for maybe RenTech, and the leanest team.

Warren Buffett - Columbia MBA

Greg Abel (his likely successor) - some podunk Canadian b-school school in Alberta, runs Berkshire's portfolio ex-insurance

Ajit Jain - HBS, probably smartest brain in insurance today

Todd Combs - Geico's CEO, Columbia MBA, JP Morgan board member,

Ted Weschler - Wharton, hedge fund manager with insane track record before shutting down/returning capital



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394726)



Reply Favorite

Date: November 30th, 2024 1:00 AM
Author: effete menage

Berkshire Hathaway has "fees", the employees make money to work there and manage the portfolio. The portfolio managers make like 50-100 mil each, which comes out of the company's profit. VOO is "cheaper" in terms of effective fees. Also the investment holding company structure is really tax inefficient. If you own AAPL you pay 15-20% in capital gains when you sell it. When BRK owns AAPL it pays 21% corporate tax on the capital gains when it sells, but the proceeds are still in the company, not in your hands.

Berkshire's main value proposition is the cheap leverage it gets from insurance float but that is offset by the inefficient structure. Unless they can find market-beating investments forever (they can't) they will have mediocre performance going forward. They already have been fairly level with the S&P for the past ~20 years or so

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394722)



Reply Favorite

Date: November 30th, 2024 1:13 AM
Author: Costumed Gunner Dilemma

Berkshire portfolio managers comp is FAR more modest relative to every single other firm, based on AUM, especially mutual funds or ETFs. Todd Combs & Ted Weschler make mid 8 to high 9 figures but that's a drop in the bucket compared to what they actually manage. ETFs like VOO charge a management fee which directly reduces investor returns over time at a much greater rate relative to the size of the fund.

There is some merit to the company's structure's tax inefficiency. Yes they pay 21% corp tax but they rarely sell major holdings like Apple. Long term holding strategy really minimizes taxable events at the corp level basically deferring taxes for shareholders. Compare that to many ETFs, like VOO, who distribute dividends which are taxed annually. Berkshire retains and reinvests all earnings - that's tax-free compounding until you decide to sell your shares. Huge advantage for long term investors.

The tax inefficiency claim primarliy applies when comparing, say, a direct Apple holding vs. Berkshire. HOwever, Berkshire's diversification, active mgmt offset this through superior capital allocaiton.

As for their insurance float - it's value cannot be overstated.They have access to $100 billion+ in insurance float at an effective cost close to 0%. That's real capital to invest, yielding returns far greater than the cost of borrowing. It's cheap leverage. Their float also isn't subject to much regulatory constraint, so they have flexibility to be opportunistic.

Your assertion that they've been on par with the S&P for the past 20 year sis mileading. THeir performance is aligned with the S&P due to it's size but it's a stronger performer when adjusted for risk and volatility. During bear markets, Berkshire outperforms due to its defensive position and cahs reserves (see 2008 and 2020). Consistency and stability are very valuable for most investors. While they're not oging to beat the S&P in bull markets, it provides a much smoother ride during downturns.

No one expects perpetual outperformance, but Berkshire does not rely soely on market-beating investments. GEICO, BNSF Railway, BH Energy provide consistent cash flow in any equity market environment. Unlike ETFs, Berkshire can actively redeploy $$ into undervalued opportunities, something passive funds can never do.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394734)



Reply Favorite

Date: November 30th, 2024 1:21 AM
Author: effete menage

VOO doesn't have to pay anyone 8-9 figures to manage its investments, it just charges 0.03% and that's the end of the costs. In any case BRK is a fine asset but it is far from some miraculous wonder-fund. It will match or underperform the S&P going forward, and that's no secret. It can still perform well compared to many assets. Buffett himself put his wife's trust assets in VOO rather than BRK.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394741)



Reply Favorite

Date: November 29th, 2024 11:56 PM
Author: frum athletic conference



(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394622)



Reply Favorite

Date: November 29th, 2024 10:53 PM
Author: Chrome Vibrant Water Buffalo Indirect Expression

ARGT for Argentina equities if you need a risky play with lots of upside, it’s already doubled in like six months.

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394468)



Reply Favorite

Date: November 30th, 2024 12:20 AM
Author: cowardly temple keepsake machete

50/50 nvda and tsmc

(http://www.autoadmit.com/thread.php?thread_id=5641433&forum_id=2#48394653)