Відео

Thanks! Not sure. I don't use the app. I'm sure there probably is. Maybe I can make a video on that too.

As far as I can tell, no. There's a lengthy exchange from a year ago in another comment where someone asked the same thing.

Thanks for watching!

Hey Chris, interest from FDLXX would be subject to federal income tax but would be exempt from state income taxes. This is the case for all US Treasury bonds and by extension, any fund that exclusively holds US Treasury bonds such as FDLXX and SGOV.

@@OptimizedPortfolio Thanks! I've also noticed that FDRXX has a lower expense ratio than all the others, 0.38% vs. 0.42%. I'm not sure why this is but it doesn't seem to make any real difference in it's overall performance as compared to the others assuming that the stats shown by Fidelity are including fees.

Yea there doesn't seem to be much rhyme or reason as to the different expense ratios Fidelity impose on these various funds, and they seem to change often. What may be a more useful comparison in this context is just to look at that 7-Day Yield aka SEC Yield, which is the fund's yield net of all fees.

Glad you enjoyed it!

Haha I don't know about that. 😆

Possibly another good option, but it's small cap blend technically. AVEE didn't exist when I made this video.

Thanks!

good luck

Indeed, only time will tell, which is why I diversify globally to not try to make a bet either way.

1.99% on the Model 3 right now if you're open to that: ua-cam.com/video/bclNkNX12KQ/v-deo.html

Thanks for sharing!

👍

Not really, no. Arguably AVGE, albeit not an index fund.

@@OptimizedPortfolio Noted, thank you! I wish they'd come up with something similar to S&P 500 with a global focus. Some of these criteria might be associated with higher quality companies.

@@OlexiySamokysha You've definitely got some more options if you split up USA, Developed, and Emerging with funds like SPDW and SPEM.

@@OptimizedPortfolio thank you! I will look into these.

@@OlexiySamokysha SPGM may offer some of this but I have not looked at its index's methodology at all.

thanks!

Thanks for watching! I can't provide personalized advice. VYM and VIG are popular dividend funds from Vanguard. I have other videos on those. Just remember you can sell shares and accomplish the same thing, as "dividend checks" aren't free money.

Thanks! What are your frustrations?

@@OptimizedPortfolio 1. It’s like driving a printer. Functionality is not intuitive. 2. The fit and finish has been overlooked. My Nissan Leaf was quieter and seemed more intentionally built. 3. Tesla’s customer service is poor. My wife accidentally changed the ownership of the car to her when setting up her phone for the first drive and Tesla would nothing about it. Cost me the free 10k charging miles and makes operation difficult. Other than that it’s great. Low maintenance and exceptional acceleration.

@@surfrduede I do hate how they seemingly choose form over function at every turn in the name of aesthetics. Apparently the new Model 3's even completely took away stalks so changing gears is on the screen, which sounds like a safety hazard to me. I have some experiments planned for trying to improve the ride comfort and noise level so stay tuned.

@@OptimizedPortfolio I do think at the price and “financial engineering” you used to acquire yours you’ll likely have a positive experience. In terms of everyday transportation it’s a nice package. I even considered a second after reviewing your video on the topic.

@@surfrduede I think you hit the nail on the head there. It doesn't feel like a $50k car to me, but I'd be much more willing to concede that it feels like a $35k car. But I'm also used to Mercedes and BMW's so I think my expectations were unfairly high going in.

Thanks, Garrett! 🙌

Haha thanks! :)

Thanks!

Agreed! 🙌 Glad you found it useful!

Thanks for watching!

Nah, this was discussed ad nauseam in the original HFEA thread on BH.

@@OptimizedPortfoliook, but these two were beautifully correlated in 22. Was this just due to interest rates rising too quickly?

1. Yes, no one ever claimed stocks and bonds have a constant negative correlation. 2. Rapidly rising rates were always known to be a risk of this strategy. 3. 2022 was more of a slow bleed, not a sudden severe crash where we'd expect crisis alpha from treasuries. 4. Falling interest rates were not as much of a tailwind as people make them out to be: blog.thinknewfound.com/2017/04/declining-rates-actually-matter/ Again, this was all hashed out in the original thread years ago. Would highly suggest reading it.

@@OptimizedPortfolio righto righto- wasn't having a go at you. I guess you are sick of defending it. For what its worth I've got small positions in tqqq and tmf since the start of the year. Tmf seems to be behaving itself. I've read parts of the thread over the last couple of years.

@@theowenssailingdiary5239 I know you weren't really directing it at me, and I'm not even really defending the strategy; I'm pretty indifferent toward it. I guess I've just gotten a bit tired of the same questions and statements about HFEA - and about bonds in general - being asked/said hundreds of times that were already answered/discussed years ago. Best of luck out there.

Assuming 5% SEC Yield, $400k * .05 / 12 = $1,667

@@OptimizedPortfolio thanks but I think that return is pretty terrible. I think I’ll stick with my stocks.

@@Yahniboy Stocks and T-Bills are 2 completely different things for 2 completely different purposes. T--Bills are a short-term cash equivalent. Stocks are a long term investment. Relatively speaking, 5% is fantastic for T-bills right now. There have also been extended periods where T-bills beat the stock market. I explained this a bit in my video on T-Bills ETFs here: ua-cam.com/video/2V0dtUqHWXQ/v-deo.html

Dividend yield changes constantly and dividends are a net zero event, but thanks for the feedback.

Thanks for sharing. Somehow I did not run across that timing protocol in researching this strategy.

Statements like these are exactly why I made this video, and I addressed both of them in it.

@@OptimizedPortfolio And I'm still not buying..

@@DK-pr9ny Thanks for sharing.

Long treasuries. Total bond market. Take your pick. Not sure why you think that's a "rofl." You can easily backtest that claim yourself. If you're too lazy to do that and you don't want to take my word for it, here's the NYT on the subject: www.nytimes.com/2020/05/01/business/bonds-beat-stocks-over-20-years.html

@@OptimizedPortfolio TLT is up 16% since 2002. The data doesn’t go further back, what ticker are you referring to for bonds? Since January 2000, QQQ is up 400%. Does your calculation include taxes? What tax bracket?

@@martinlutherkingjr.5582 Nope again. First, I said 2000-2020, not 2002-2024. Specificity matters with this stuff. Secondly, TLT is up 137% since 2002 (going into 2024 YTD). Sounds like you may be looking at price return only? Not sure. 16% is wildly wrong. Lastly, QQQ is not the total US stock market. But even using QQQ is basically the exact same result for that period due to the harsher tech bubble crash it experienced in 2000 versus the broader market. Over the stated period, QQQ was up 280% while long bonds (e.g. VUSTX) were up 355%. I don't have time to go back and forth running backtests. Best of luck.

@@OptimizedPortfolio What resource are you using for your back testing?

​@@martinlutherkingjr.5582 Previously PortfolioVisualizer before they implemented the new 10-year limit on free plans. Now testfol.io the past week or so. Finominal might be a good alternative too. I'm still playing with a few to see what I want to go with going forward. The PV thing is very new. I might just end up doing a paid plan with them.

Not a weird question. That just means that's the maturities of bonds that fund holds. You can certainly hold the fund for as long as you want, longer than that time. The fund is buying and selling those bonds for you inside it.

@@OptimizedPortfolio Okay thanks for answering!

@@ryanjamesr_ Anytime!

Probably a good one indeed! I talked about it here: ua-cam.com/video/4_U77heiMt8/v-deo.html

Not sure why you'd ever do that. Can't buy securities with a CC, so it would require a cash advance, which makes the whole thing illogical.

Thanks for sharing!

Thanks for the suggestion!